If you bring forward your renewal there is a considerable saving as Laya Simplicity plan is increasing in price on 1st January by €165 per annum.
From my read of it, there's a difference in hospital cover om the cheaper plan keving.Hi guys, from my own reading 'Connect Simplicity' is very similar to 'Simplicity' however with a higher excess in relation to hospital cover. Everyday medical expenses has only a 1 euro excess though as opposed to 'Simplicity' ''€100 Individual Excess / €200 Family Excess ''. These plan names can sure get confusing.
From my read of it, there's a difference in hospital cover om the cheaper plan keving.
I thought I noticed a different level of cover for Beacon with a shortfall, but as I look at them again now, there doesn't appear to be one of any substance. I suspect I might have looked at another plan which is a different - the names are quite confusing.I didnt see any major differences in hospitals or procedures covered except on excess... can you elaborate? Thx
Is that 11 months cover for the price of 12 ?Update.
Your new policy starts then on January 1st with a renewal date of December 1st 2021.
Thank you
My quotation is 1257.90 for cover from 31/12/20-30/11/2021 No mention of the 3% credit charge either during the call or on the emailed quotation. I was told that I paid it in monthly instalments 3% would be then added.I just did a breakdown of the quote Laya gave me and compared info from the HIA website. Laya offered the following quote with a renewal date of the 1/12/21 =1261.66 + 3% credit charge = 1299.51. On the HIA website the premium for Simplicity is 1370.55, which divided by 12 *11 would be 1255.38 +3% 1294.02, so roughly a 6 euro difference.
I'm not bothered to query it, it is close enough!My quotation is 1257.90 for cover from 31/12/20-30/11/2021 No mention of the 3% credit charge either during the call or on the emailed quotation. I was told that I paid it in monthly instalments 3% would be then added.
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