Grandad,
At a minimum, I would definitely switch to old Plan B - Healthplus Access price 2045pa per person. Details as follows;
Healthplus Access; price 2045pa; same hospital cover as before, no excess payable with this plan, limited day to day cover -similar as before.
If someone has a few ongoing health complaints, especially an older person , it is recommended that they choose a plan with no excess.
Plan B Options and Plan B both tick that box. Both plans also have full orthopaedic cover in private/hi-tech hospitals which is important for an
older person. There is extra level 2 cardiac cover on these 2 plans, called TAVI procedure which means heart valve surgery by keyhole if a person is not suitable for full open heart surgery.
The following link compares the above 2 plans, there is an error re prices on this link at the moment which should be rectified shortly.
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An alternative cheaper VHI plan would have no excess to pay as before, but it would not have the extra cardiac level 2 TAVI cover, and orthopaedic cover would be restricted to 80%. If using either Mater Private or Blackrock Clinic for orthopaedic surgery was an option if required - there would be no shortfall to pay as these 2 hi-tech hospitals do not pass on these charges to the patient. However, other private hospitals would charge the shortfall amount which could be 2 or 3 thousand depending on the procedure.
Details as follows;
PMI 42 15; price 1740pa; public, private and hi-tech hospitals covered, 80% orthopaedic cover in private or hi-tech hospitals, good day to day cover but a 2 year wait would be applied for over 65s, current day to day cover would apply while waiting. No excess as before. No TAVI cardiac
cover on this plan.
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Regards, Snowyb