measuretwice,
The plan your considering 'Laya Total Health No Excess' price 1741pa, is a good plan that is identical to Company Care Plus in relation to hospital cover - it ticks all the boxes. The day to day medical expenses cover in respect of refunds for consultant visits, gp, dental etc is not similar if that part of the cover is important.
Option 1
A better priced alternative plan, with no hospital excess and also good day to day cover (1 euro excess), is as follows;
'Company Care No Excess' price 1769pa;
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Option 2
Simplicity Plan; price 1087pa;
Just to explain briefly about the overall value of this plan.
There is an excess on this plan which means that if your mother was admitted to a private or hi-tech hospital for a stay, she would pay 100 on admission. However, this excess is only payable on two admissions per year, so in other words the maximum excess amount in a year is
100 x 2 = 200 regardless if she was admitted 10 or 20+ times.
The excess for a day case procedure or treatment in a private or hi-tech with this plan is 50 euro per visit, which is a very low excess amount.
So, overall if she had two or more inpatient overnight stays in a private or hi-tech hospital per year, she could still afford to have upto 9 day case
visits for procedures in private/hi-tech hospitals per year also, before she would reach the price of 'Company Care No Excess' price 1769pa.
Example of costs;
Simplicity plan 1087 + 200(max excess 100 x 2) = 1287
1769 - 1287 = 482 (which is equal to 9 x 50 day case visits approx)
Simplicity plan also has good day to day cover, similar to Company Care No Excess, just one minor difference, the first 100 not allowed.
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Summary
If you prefer a plan with no hospital excess at all, for either inpatient admission or day case, well then the best option is
'Company Care No Excess' price 1769pa.
If you want a similar plan at a much reduced cost, even factoring in a max excess 100 x 2, plus allowing for a lot of day case visits, well then
the best option is 'Simplicity' plan price 1087pa. Note this plan also has full cover for a private room in a private hospital as standard.
Hope this explains the way things work a little clearer.
Regards, Snowyb