Hi ThanksInAdvance,
Welcome to AAM. If you want an identical plan to Company Plan Extra level 3, the cheapest alternative option is called 'PMI 05 11' price 1577pa.
I have included Company Plan Extra Level 2 in the following comparison as your current plan is not available to compare, both plans were identical.
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If you want a similar plan, including a private/hi-tech excess, a better option than PMI 22 11, is called Plan PMI 25 11 price 1502pa.
Same as your current plan in every respect, with a hospital excess 75 per private/hi-tech admission or per day case.
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The VHI plan PMI 41 15 price 1254pa is a good plan that ticks all the boxes, except cover for a private room in a private hospital.
Semi private rate means that they will cover you upto the price of a semi-private room and you pay the balance if you want a private room in
a private hospital. This balance could cost 300+ per night depending on the hospital involved. So PMI 41 15 may not suit you for that reason.
It depends if a private room in a private hospital is a deal breaker or not.
The cover you have at the moment includes a private room in a private hospital if you pay 50euro per night. All the above recommendations
include similar cover for a private room in a private hospital with a 50 per night excess.
I appreciate that VHI is your first preference, just to mention that Laya are very competitive on price, including full cover for a private room in a private hospital, as follows;
1. Simplicity Plan; price 1044pa; public, private(including private room) and hi-tech hospital cover, max hospital excess 100 x 2 per year, good day to day cover 100 excess.
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Again, I compared with Company Plan Extra Level 2 which is identical to your current plan.
Hope this explains things a little clearer.
Regards, Snowyb