berryblue,
Laya healthcare would be a better option for yourself in particular, with orthopaedic health issues, as they fully cover this type of surgery in all public, private and hi-tech hospitals. No co-payments or shortfalls apply. The Mater Private Cork is classed as a private hospital with Laya and is fully covered for all surgery, it is not classed as a hi-tech hospital.
The following plan, Complete Simplicity' price 1380 per adult, is well worth considering as an alternative to Total Health Select price 1837pa.
They both cover public, private and hi-tech hospitals, identical cover. Private room in a private hospital covered. Similar outpatient day to day cover with a 1 euro excess.
The only main difference, is that 'Complete Simplicity' plan has an inpatient excess for private/hi-tech hospital admissions of 100 x 2 = 200 per year.
So, even if you had several admissions per year, max of 200 excess applies, so the total cost would be 1580pa including 2 x 100 excesses.
For 2 adults, it would mean savings of 514pa.
Total Health Select is a good plan that ticks all the boxes which may not be fully necessary in the circumstances.
Its also an option to choose a different plan for each adult, Total Health Select for yourself and Complete Simplicity for your husband, if it suits.
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For the two young adults, 21 and 25, the following plan with Laya will suit both pricewise and hospital cover wise.
1. Simply Connect; price for 21 yr old 489pa, price for 25 yr old 891pa
Public, private and hi-tech cover included. Excess 150 x 2 max per year. Good day to day cover, 1 euro excess, max refund 300 per year.
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So an overall family price of 4140 is achievable as follows;
2 x 1380 = 2760 Complete Simplicity
1 x 489 = 489 Simply Connect
1 x 891 = 891 Simply Connect
Laya do not apply any waiting time for upgraded day to day cover according to age, so this cover applies straight away from renewal date.
Regards, Snowyb