Health policy Taking out first policy since 2010 for family of 4

WoodieWoodbine

New Member
Messages
2
Hi All,

Bit of a novice but hopefully someone can advise. Had a policy with Laya until the recession bit and we couldn't afford to renew. Looking to start one up again, it's for a family of 4, 2 parents in their 40's and two kids, 11 and 7.

Would really appreciate any help we can get!

Thanks.
 

snowyb

Frequent Poster
Messages
1,395
WoodieWoodbine,

VHI Adult Options
The following options are worth considering, details as follows;
1. VHI One Plan 250; price 832pa; all public and private hospitals cover, some Beacon hospital cover included.
private hospital excess 250 x 2 max per year for all private admissions. No excess to pay in any public hospital.


2. VHI Company Plan Plus Level 1.3; price 1128pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per procedure, day case excess 50 per procedure. There is no excess to pay in any public hospital. Good day to day cover included, refund of 50% for gp visits, consultant visits, dental, physio etc.
https://www.hia.ie/ci/comparison/step3?plan_ids=648|253&source=plans


VHI Child Options;
1. VHI One Plan Starter; price 115pa; all children's hospitals are public so this plan covers all public hospitals.

2. VHI One Plan 150; price 185pa; all public and private hospitals covered, some Beacon hospital cover included. Private excess
150 x 2 max per year for all private hospital admissions and 150 per day case procedure.


3. VHI One + Plan; price 209pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 125 per admission and 125 excess per day case procedure. No excess to pay in any public hospital.
https://www.hia.ie/ci/comparison/step3?plan_ids=103|352|200&source=plans


Laya Adult Options
1. Laya Essential Health 300; price 895pa; all public, private and Beacon hospital covered, private hospital excess 300 x 2 max per year for all admissions. Day case excess 125 per day case procedure. There is no excess to pay in any public hospital.


2. Laya Simply Connect; price 1100pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 x 2 max per year for all admissions. Day case excess 50 per day case procedure. Good day to day cover, refund of 50% for gp visits, consultant visits,
dental, physio etc.
https://www.hia.ie/ci/comparison/step3?plan_ids=698|518&source=plans


Laya Child Options;
Laya Healthcare have a special offer for children at the moment, whereby you pay for the 1st child and the rest of the children are free.
The following plans are included in this offer.


1. Laya Essential Health 300; price 234pa; all public, private and Beacon hospital covered. Private hospital excess 300 x 2 max per year for all private admissions. Day case excess 125 per procedure. There is no excess to pay in any public hospital.

2. Laya Flex 125 Explore; price 343pa; all public, private and 3 hi-tech hospitals covered. Private/hi-tech excess 125 per admission. Day case excess 50 per procedure. No excess to pay in any public hospital.

https://www.hia.ie/ci/comparison/step3?plan_ids=698|383&source=plans

Note; All children's hospitals are public hospitals but the 3 hi-tech hospitals in Dublin offer a range of childrens surgery/treatment
fully covered on VHI One + Plan and Laya Flex 125 Explore. The 3 Dublin hi-tech hospitals are Beacon hospital, Blackrock Clinic, Mater Private.



Regards, Snowyb
 

WoodieWoodbine

New Member
Messages
2
Wow! Thanks so much Snowyb, really appreciate you taking the time to reply with all this info. I've just taken out the Essential Health 300 policy with Laya so thank you for the recommendation.

Thanks again.
 
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