Hi Jellymonster,
Welcome back to Ireland and AAM.
VHI PMI 37 13 is not recommended as it has poor cover for maternity consultant visits ( 240 less 125 excess = 115pa).
The max refund available for maternity consultant visits is 500pa. Flex 250 Choice plan with Laya has this level of consultant cover for maternity.
This is a good plan if you don't mind paying 250 per admission to a private hospital for surgery. It also includes good day to day medical cover.
Note; there are no private maternity hospitals in Ireland and there is no charge on admission to any maternity hospital or any public hospital.
This plan covers 3 levels of hospital cover; public, private and hi-tech hospitals. Private room covered in all maternity hospitals, however, a
private room is not guaranteed, based on availability on the day.
Flex 250 Explore is identical to Flex 250 Choice regarding hospital cover, only difference is there is no day to day medical cover on this plan.
No maternity consultant refund cover on this plan, more suitable for your partner.
Both plans above have an extra 10% discount off, if you buy online at the moment.
Alternative options with Laya worth considering are as follows;
Simplicity Plan; 3 levels of hospital covered, private hospital excess 100 x 2 max per year, private room in a private hospital fully covered. Good day to day cover, first 100 not allowed. Full maternity cover as before, 400 refund for maternity consultants, private room covered in all maternity hospitals, subject to availability on the day.
Simply Connect Plan; 3 levels of hospital covered, private hospital excess 150 x 2 max per year, Good day to day medical cover, 1 euro excess,
max refund 300 pa per person. Full maternity cover as before, 400 refund for maternity consultants, private room covered in all maternity hospitals - subject to availability on the day.
[broken link removed]
Plans worth considering for 6 month old as follows;
1. Laya Simply Connect; price per child 239; 3 levels of hospitals covered, good day to day medical cover, max refund 300 pa.
2. VHI One + Plan; price 131pa; 3 levels of hospitals covered, no day to day cover. Note; all children under 6 have free GP visits in Ireland now, so day to day cover is not required.
Also, VHI allow a child only to be insured if you wish, an adult is named on the policy but only the child is insured. The One + Plan is on a half price offer at the moment, which is very good value.
[broken link removed]
All prices and offers are available until 29th Feb 2016.
Hope this helps with making decisions.
Regards, Snowyb