I'm 67, female, single household and so far am fit and healthy. I visit GP once a year, check up and blood test. I have a day care procedure or dexa scan every 3 years. I've had private health insurance since I was 21 and am afraid to let it go now, however, it is very expensive. Do I stay at this level and just grin and bear it or drop down to something more basic?
Hi MarianVM,
Be aware that some of Laya's plans are due to increase in price on the 1st June 2021.
It is good to know that you are fit and healthy at the moment. Unfortunately it is, as we get older, that health insurance becomes more important to us. I would advise that if all possible you retain a plan that covers Orthopaedics. Your current plan, Connect Care 150, is a good plan but it is more expensive at €1672 than other plans offering broadly similar cover.
The following plans from LAYA come in cheaper than Connect Care 150 and all cover orthopaedics. No excess applies to 5 orthopaedic procedures (hip and knee replacement) in 12 private hospitals
1. Control 300 Create at €1309
2 Simply Connect at €1361
3. Connect Simplicity at € 1415
4. Simply Connect Plus at € 1470
The above prices are for renewals after 1st June 2021
Control 300 Connect and Connect Simplicity cover a private room in a private hospital while the other two cover up to a semi-private room in private hospitals.
The inpatient excess in a private hospital is €300 per claim on the Control 300 Create plan. The excess is €150 on the three other plans.
There is a €1 excess on everyday expenses on all these plans.
These plans offer good value compared to €1672 for Connect Care 150.
If a private room in a private hospital is important to you then I would give Connect Simplicity some consideration. If the private room in a private hospital is not an issue for you then Simply Connect, as suggested by Odyssey06, deserves consideration
I hope this is helpful