Deirdre52,
Cheapest alternative is with Laya healthcare;
1. Simplicity Plan; price 1087pa; public, private and hi-tech hospitals covered, max excess 100 x 2 per year, good day to day cover - first 100 not allowed. Full orthopaedic cover included in all private and hi-tech hospitals - no shortfall or excess applies for this surgery.
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Alternatives with VHI as follows; Full cover for orthopaedic surgery included.
1. Healthplus Access; price 1944pa; same hospital cover as current plan, no excess.
2. Healthplus Excess; price 1709pa; same hospital cover as current plan, 75 excess for private or hi-tech admissions or day case.
3. Health Access; price 1562; same hospital cover as before, 125 excess for private/hi-tech admissions or day case.
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Alternatives with VHI with 80% orthopaedic cover, there is full cover in Mater Private and Blackrock Clinic as they don't charge the 20% shortfall
to the patient.
1. One Plan Extra; price 1464pa; public, private and hi-tech cover, no excess, limited day to day cover.
2. Plan PMI 42 15; price 1642pa; public, private and hi-tech cover, no excess, good day to day cover( there is a 1 year wait for this extra cover for ages 55-64 yrs).
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Plenty of savings available without losing cover.
Regards, Snowyb