Health Insurance Renewing Insurance Totally Confused

[midnightrocks]

Hi

I'm taking over my health insurance, my parents have paid it previously, and my head is spinning at all of the options and plans.

I'm on First Plan Plus Level 1 and it seems a bit expensive at 1,500 a year. I don't mind paying about 1,000 a year. I'm in perfect health and I really want it in case of something serious happening. I do like the idea of having cover for some of the good private hospitals though. I don't know is this realistic if I want to only pay about 1,000 a year?

Thanks!

 

[snowyb]

Hi midnightrocks,

Welcome to AAM. The plan you are on at the moment 'First Plan Plus Level 1' has no excess payable on admission to private/hi-tech hospitals -
that's why it's more expensive. If you don't mind taking out a plan with an excess, only payable if you are admitted to a private or hi-tech
hospital for surgery or for day case procedure, there are a few options worth considering. There is no excess payable in any public hospital.


The following plans include cover for the 3 levels of hospital - public, private and hi-tech hospitals. The price range is 1100approx.

1. VHI One Plan; price 1095pa;(1147 from 1 Nov 2016) public, private and hi-tech hospital cover included. Private/hi-tech excess 125 per admission or day case.

2. VHI Company Plan Plus Level 1.3; price 1131pa; public, private and hi-tech hospital cover included. Private/hi-tech excess 150 per admission
or day case. Good day to day cover included, gp refund 25 per visit, consultant 60 refund per visit, etc.

3. LAYA Simplicity plan; price 1087pa; public, private(including private room) and hi-tech hospital cover included. Private/hi-tech excess 100 x 2
per year max, day case excess 50 per visit. Good day to day cover - first 100 not allowed.

4. LAYA Simply Connect; price 1101pa; public, private and hi-tech hospital cover included. Private/hi-tech excess 150 x 2 max per year, day case
excess 50 per visit. Good day to day cover, 1 euro excess - max refund per year 300.

[broken link removed]

Regards, Snowyb