Tipp gal,
Yes, you're correct about the excesses, you would pay 100 for every time as a day patient and 250 every time you are admitted for an overnight
stay - only in private hospitals. These excess amounts do not apply to any public hospital.
Regarding changing plans, if you increase hospital cover, your pre-existing spinal condition will be subject to a 2 year waiting for any extra cover
on the new plan. In other words, your pre-existing illness will be covered as per Advantage 250 Explore.
The only way that a different plan would benefit you at the moment, is one that includes day to day cover. This would refund some of the
consultant visit fee etc. There is no waiting time for extra day to day cover with Laya.
Cheaper plans would have higher excesses which would not achieve savings overall.
Plans including day to day cover are more expensive than your current plan but they also have lower excesses.
2 options worth considering with Laya as follows;
1. Laya Simply Connect; price 1101pa; public, private and hi-tech hospital cover, max inpatient excess 150 x 2 per year, day case excess 50 per
visit. Good day to day cover included - max refund 300 per year.
2. Laya Simplicity plan; price 1087pa; Public, private(including private room) and hi-tech hospital cover, max inpatient excess 100 x 2 per year, day case excess 50 per visit. Good day to day cover - first 100 not allowed.
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What hospital will you have surgery in later this year?
Regards, Snowyb