Options for 83 yr old
The cheapest Laya plan with no excesses attached is 1659pa. Company Health Plus No Excess.
Another similar plan, no excesses, also including good day to day cover, is priced @ 1769pa. Company Care No Excess.
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Changing to a plan with no excesses or a lower excess is classed as an upgrade in respect of a pre-existing condition, so strictly speaking, a provider can apply a 2 year waiting time in that regard. The likes of VHI( which has a few cheaper options) would be strict in applying the rules.
It is at the discretion of the provider. Laya Healthcare have relaxed these rules, in certain circumstances before, where the new plan took effect from day 1 with no excess applying straight away.
It would be worth discussing this with them and see what the position is for the 83 yr old.
Another alternative option for yourself and maybe for 83 yr old, is Simply Connect plan. price 999pa.
This plan has a day case of 50, which may work out cheaper overall if you can gauge how many day cases would happen per year.
As its a lower priced premium, 999, a total of 13 day case visits would equal the price for Company Health Plus No Excess 1659pa.
It may or may not be cost effective and it would also depend on Laya Healthcare not applying a 2 yr waiting time.
This plan Simply Connect would be worth considering for yourself. Same hospital cover as before, 150 private hospital inpatient excess X 2, any further admissions are free. Day case 50 per visit. Good day to day cover, 1 euro excess, capped at 300pa.
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Regards, Snowyb