suzie,
1. The cheapest Laya plan with full cover for all public, private and 3 hi-tech hospitals is as follows;
Control 600 Connect; price 852pa; all public, private(incl private room) and 3 hi-tech hospitals covered, excess 600 per private/hi-tech admission for a stay or surgery, day case excess 175 per procedure.
The above price is the standard market price, but you can factor in the group rate according to the discount applicable.
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2. If you just want a policy with public and private hospital cover, the following plans are worth considering;
Essential Health 300; price 895pa; all public, private and Beacon hospital covered, excess 300 per admission and day case excess 125 per procedure.
or
Precision 600 Connect; price 695pa; all public, selected list of private hospitals covered. You would need to check out the selected list of
private hospitals covered to ensure they suit your location.
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Again, the prices shown above are the standard market prices, you can calculate the applicable discount for the group rate.
I would not recommend plans with just public hospital cover as the hospital waiting list for surgery is the same for everyone, with or without
health insurance, which defeats the whole purpose of having health insurance cover.
Also, it makes sense to have an alternative option of a choice of private hospitals if required.
Regards, Snowyb