percy8865,
Welcome to AAM.
The following 2 plans are cheaper with Laya, details as follows;
1. Flex 175 Explore; price 953pa; same hospital cover as before, private excess 175 per admission, 75 per day case. Limited day to day cover.
2. Control 300 Create; price 972pa; same hospital cover + private room in a private hospital covered, private excess 300 per admission,
day case 125 per visit. Very good day to day cover included which is useful for consultant visits etc. 80 refund per visit.
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Note; both of the above plans fully cover orthopaedic surgery(hip + knee replacement) in both private and hi-tech hospitals, this means no excess or no shortfall applies, likewise with Flex 250 Explore.
Regards, Snowyb