djtonykirl,
Just to clarify, if your sister's pre-existing medical condition started before October 2017, there is a 5 year waiting time applied before full
hospital cover is allowed. If it commenced after October, there is no waiting time to serve.
An alternative plan worth considering is called 'Company Plan Plus Level 1.3' price 1128pa.
Details as follows;
Company Plan Plus Level 1.3; price 1128pa; all public, private and 3 hi-tech hospitals covered. Private hospital excess 150 per admission or
50 excess per day case procedure. Day to day cover included, same as PMI 43 15 except a max refund per year of 1000 applies to new plan.
PMI 43 15 has a max refund of 3200 per year for day to day cover. If her expenses exceed 1000 per year, this new plan would not be suitable.
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There is also a 50 euro cash back incentive if she signs up to pay by direct debit or by salary deduction before September 1 2018.
A further 50 refund is available if she signs up online to receive documentation online. Details on the following link;
https://www.hia.ie/news/vhi-launch-online-advantage-29052018
Snowyb