Hi strickly,
He has full cover for heart surgery etc at the moment, for all public and hi-tech hospitals including Blackrock Clinic and Mater Private Dublin.
So the only waiting for heart related issues is in relation to private hospitals. He has 60% cover in private hospitals, so there would be a shortfall of 40% to be paid in a private hospital. The maximum waiting time when upgrading cover is 2 years and only in respect of any pre-existing illnesses.
There would be a 2 year waiting time for lung related issues in private or hi-tech hospitals on a better plan. He would be fully covered in any public
hospital for these issues.
The following plans are worth considering;
1. VHI PMI 7 10; Price 1185pa; all public, private and 3 hi-tech hospitals covered, private excess 150 x 1 max per year for all private or hi-tech
hospital admissions. Day case excess 50 per procedure in a private/hi-tech hospital. Good day to day cover on this plan, there would be a
6 month wait before this extra cover is allowed. There is 80% cover on this plan with VHI in a private/hi-tech hospital for hip or knee replacement surgery. The shortfall is 2000+ depending on the hospital. Blackrock Clinic does not pass on this charge to the patient.
2. Laya Simply Connect; price 1100pa; All public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 x 2 max for all private/hi-tech admissions per year. Day case excess 50 per procedure. Good day to day cover included. There is no 6 month waiting time applied with
Laya healthcare for extra day to day cover. Allowable straight away. 2 year upgrade waiting applies as before for pre-existing lung issues in private
hospitals.
Note; there is full cover for hip or knee replacement surgery on this plan as standard in any private or hi-tech hospital.
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As the renewal date is December, there may be more offers announced soon.
Regards, Snowyb