Hi!
My parents VHI Health Plus Access ( Plan B ) is due for renewal on 1st July. They are in their 60s and in pretty good health (Dad has history of cancer but is in remission 6 years and is very well).
Their main concerns are cancer, cardiac, orthopaedic and ophthalmic care.
The Beacon would be their preferred hospital.
I think Layas Simplicity is a better and much cheaper plan (not withstanding the 2 no. €100 excess per year and some overnight excesses).
I compared the 2 on HIA and have a good understanding of the cover but would appreciate fresh eyes
1. They are afraid to change because of Dad's history and that there would be waiting periods, penalties and less cover. This isn't true unless there's an increase in cover but since Simplicity has the same or better cover so there would be no loss of cover. Am I right?
2. Is there anything in Health Plus Access not covered by Simplicity. I don't think so.
3. Is the cardiac cover (ie Tevi) the same? I think it is.
4. Day to day cover is better on Simplicity.
5. Is there anything I'm missing?
Thanks,
J
My parents VHI Health Plus Access ( Plan B ) is due for renewal on 1st July. They are in their 60s and in pretty good health (Dad has history of cancer but is in remission 6 years and is very well).
Their main concerns are cancer, cardiac, orthopaedic and ophthalmic care.
The Beacon would be their preferred hospital.
I think Layas Simplicity is a better and much cheaper plan (not withstanding the 2 no. €100 excess per year and some overnight excesses).
I compared the 2 on HIA and have a good understanding of the cover but would appreciate fresh eyes
1. They are afraid to change because of Dad's history and that there would be waiting periods, penalties and less cover. This isn't true unless there's an increase in cover but since Simplicity has the same or better cover so there would be no loss of cover. Am I right?
2. Is there anything in Health Plus Access not covered by Simplicity. I don't think so.
3. Is the cardiac cover (ie Tevi) the same? I think it is.
4. Day to day cover is better on Simplicity.
5. Is there anything I'm missing?
Thanks,
J