Hi hipj60,
Welcome to AAM. Your analysis is correct. Simplicity plan fully covers a private room in a private hospital which is not fully covered on
HealthPlus Extra plan. Healthplus Extra plan fully covers the technical charges 100% and fully covers a semi-private room in a private hospital.
There would be a shortfall to pay for a private room but the technical charges are fully covered.
The only extra cover on Simplicity plan is the private room in a private hospital. So, if you have any pre-existing illness, there would be a 2 year
wait to avail of a private room in a private hospital. A semi-private room would be fully covered as before.
Any new illnesses would be fully covered in a private room straight away.
There is no waiting time applied to the extra day to day cover on Simplicity, regardless of age. Cover applies straight away.
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Regards, Snowyb