leanbh,
If the hip surgery is 'hip replacement surgery' well then Laya healthcare plans are the best value for this type of surgery.
There is no shortfall or excess to pay for this type of surgery in any private or hi-tech hospital, for any plan with private hospital cover,
this includes your plan Flex 500 Explore.
The majority of VHI plans including PMI 44 16 cover 80% of the cost of this type of surgery. So the 20% shortfall could cost 2 or 3 thousand
per procedure in a private hospital.
Note; there are changes to the Flex 500 Explore plan since your last renewal date in relation to hi-tech hospital cover for Mater Private and
Blackrock Clinic. Cover for these 2 hi-tech hospitals is restricted to Cardiac and Orthopaedic cover, there is no day case cover in these 2 hospitals,
just Beacon hospital.
If you want to choose a similar alternative plan to your current version of Flex 500 Explore, the following 2 plans are worth considering;
1. Control 600 Connect; price 852pa; all public, private(including private room) and 3 hi-tech hospitals covered as before, excess 600 per
private admission(except hip or knee replacement surgery), no excess or shortfall for this surgery. No day to day cover.
2. Control 450 Connect; price 971pa; all public, private(including private room) and 3 hi-tech hospitals covered as before, excess 450 per
admission( except hip or knee replacement surgery) no excess or shortfall applies. No day to day cover.
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Alternatively, there are a couple of options which have a lower excess on admission or day case in a hi-tech hospital.
There is also good day to day cover included on these plans.
1. Control 300 Create; price 1146pa; all public, private and 3 hi-tech hospitals covered as before. Excess 300 per private admission or 125 per day case. Good day to day cover on this plan.
2. Simply Connect; price 1179pa; all public, private and 3 ho-tech hospitals covered as before. Excess 150 x 2 max per year.
Day case excess 50 per private visit.
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Two more options worth considering as follows;
1. Control 600 Total; price 971pa; all public, private and 3 hi-tech hospitals covered, private excess 600 per admission, 175 per day case.
Day to day cover included.
2. Simplicity; price 1190pa; all public, private(including private room) and 3 hi-tech hospitals covered, private excess 100 x 2 max per year,
day case excess 50 per visit. Good day to day cover included - first 100 not allowed.
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Note; all of the above alternative options fully cover hip or knee replacement surgery in any public, private or hi-tech hospital with no excess
or shortfall to pay.
Hope this explains everything clearly.
Snowyb
