Here is some of the interaction with the laya agent:.
query is this ,i have paid 1404 in december for my cover ,and if my renewal was in february this year the same policy is 1290,quite a lot less than i paid, can you tell me why this is please
Agent:
The policy costs can change from month to month. We are always assessing our costs. Laya customer:
the total complete 175 has the same cover as my policy, can you confirm please
Laya agent:
It does not have the same cover. The excess is higher on Total Health Complete 175.
Laya agent:
It is a lower level of cover, for an admission into a private tier two hospital, you would need to pay an additional €50 per admission.
Laya client . : thank you for that information,its a bit of a maze, i understand the policy cost can change month to month, but my renewal in december is always about 100 euro dearer than a collegue with the same policy,and this is for the last 5 years, while i know costs can go up, it doesnt explain mine being always dearer . Laya agent:
I am afraid there is no pattern to cost, they are constantly being looked at. At your next renewal, you can ask to change your renewal date, if you want to do so. I'm not saying it will be cheaper, but you can have it in line with your friends renewal date for comparison purposes.