Laya Renewal Time - Limited Means

[Beanóg]

Hello Snowyb,

Firstly, thanks for all your advice to date.

My colleague at work is looking at changing his health insurance plan. Currently insured with laya (Assure Vitality) but realises that that he needs to upgrade his level of cover. Living in Cork and would like semi private cover for the private hospital in the area.

What can you recommend for someone who's budget is approx €800.00 per year please?

Thanks.

 

[snowyb]

Beanóg,

The following 3 plans are worth considering;

1. VHI One Plan 250; price 832pa; all public and private hospitals covered,(including Mater Private Cork and Bons Secours Cork and all other
public and private hospitals in Cork and beyond. Private hospital excess capped at 250 x 2 max per year for all admissions. Day case excess
150 per procedure. Limited day to day cover on this plan.

2. Laya Essential Health 300; price 895pa; all public, private and Beacon hospital Dublin covered, private excess capped at 300 x 2 max for all
admissions per year, day case excess 125 per procedure. Limited day to day cover on this plan.

3. Irish Life Benefit plan; price 899pa; all public, private and Beacon hospital dublin covered, private excess capped at 200 x 2 max per year for
all admissions, day case excess 125 per procedure. Limited day to day cover on this plan.

https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=

Note; If hip or knee replacement surgery is important, option 2 Laya Essential Health 300 is the best plan. Full cover for ortho surgery on this
plan. A shortfall of 6000 applies to VHI One Plan 250 and a co-payment of 2000 applies to Irish Life Benefit plan.

Cheaper plans would have a higher excess; for example VHI One Plan 500; price 715pa. Same as One Plan 250 except excess amount 500 x 2
for all admissions. Other cheap plans would have a selected list of public and private hospitals, not all Cork private hospitals would be covered
on some plans. So there would be a compromise involved.

Regards, Snowyb