Both Irish Life and Laya allow you to change plans at any time outside of renewal date if you want.
For example, if you wanted to switch to a plan with higher day to day cover because of impending expenses, you can do this with no
waiting time applied for day to day cover.
VHI don't allow this but at the same time, they allow children to be insured on their own without an adult, something the
other two providers don't allow.
Sometimes Irish Life plans end up being the more expensive option, so people tend to opt for the lower priced plan with similar cover.
They lose out on customers as a result. This shows itself in your own list of choices.
For older customers, the 2000 co payment for orthopaedic surgery(hip and knee replacement surgery) in private or hi-tech hospitals can
be a deal breaker when choosing a plan. Laya plans fully cover this type of surgery in private and hi-tech hospitals.
Regards, Snowyb