robbie00,
There are a number of alternative options worth considering with different providers.
Similar cover but cheaper plans with Glohealth as follows;
1. Better Plan Smart Cash; price 1222pa, same hospital cover, better day to day cover.
2. Better Plan Select Cash; price 1245pa, same hospital cover, better day to day cover.
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Note; with Glohealth there is a 2000 co-payment for knee replacement surgery in private hospitals.
There is no co-payment for orthopaedic surgery with Laya healthcare.
VHI have 80% cover for orthopaedic surgery in private/hi-tech hospitals but if you choose Mater Private or Blackrock Clinic for this surgery there
is no shortfall as these 2 hi-tech hospitals don't pass on this charge to the patient.
Alternative options with Laya healthcare;
1. Simplicity Plan; price 1087pa; same hospital cover as before, extra cover for a private room in a private hospital, excess 100 x 2 max per annum, good day to day cover - first 100 not allowed.
2. Simply Connect Plus; price 1210pa; same hospital cover as before, excess 150 x 1 max per year, good day to day cover - 1 euro excess -
max allowed per year 500.
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Alternative options with VHI;
1. PMI 44 16; price 1050pa; same hospital cover as before, 150 excess per admission, extra cover for a private room in a private hospital,
no day to day cover.
2. PMI 43 16; price 1136; same hospital cover as before, 150 excess per admission, good day to day cover - 1 euro excess.
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Note; VHI plans have 80% cover for orthopaedic surgery in private hospitals, if you choose hi-tech hospitals Mater Private and Blackrock Clinic
for this type of surgery there is no shortfall or co-payment to pay.
Plenty of alternatives with similar cover at cheaper prices.
Regards, Snowyb