NOAH,
Complete Simplicity plan is too expensive and the hospital cover is the same as Simplicity plan.
The only difference is in relation to the day to day medical expenses part of the plan.
With Simplicity plan, the first 100 of day to day expenses is not allowed.
With Complete Simplicity plan the first 1 euro is not allowed.
So for example, if one person has allowable day to day expenses amounting to 800 over a year.
The refund due on Simplicity plan would be 700, as the first 100 is not allowed, in other words its deducted from the allowable total.
The refund due on Complete Simplicity would be 799, as the first 1 euro is not allowed and is deducted from the allowable total.
The refund due on Simply Connect plan would be 300, as 300 is the maximum refund allowed on this plan, regardless of the total expenses amount.
Complete Simplicity plan costs an extra 374euro per person and the only difference in the example above is an extra 100 euro refund for
day to day medical expenses. The hospital cover is identical to Simplicity plan so Complete Simplicity is not worth the price 1564 per person.
Simply Connect and Simplicity plan are very similar pricewise and hospital cover wise. Simplicity has extras like full cover for a private room in
a private hospital, which may not be that important to you. Simplicity also has a higher allowance 7650 for day to day medical expenses, again
you may not need that level of expenses, but its included if you run up a medical expenses bill. Simplicity has a max excess of 100 x 2 per year
for private hospital admissions, the max excess on Simply Connect is 2 x 150 per year.
I would disagree with the opinion that Simply Connect is better than Simplicity.
I think they are very similar plans and Simplicity has extras included.
I think Complete Simplicity is not good value for money.
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Regarding a 2 year waiting time, if you switch to a similar plan there is no waiting to serve.
Any person can pay for surgery if they have no health insurance. Depending on the type of surgery, these costs can run into thousands.
For example, a hip replacement can cost 15,000 in a private hospital.
Health insurance is well worth the 25 approx per week, which covers all these eventualities, especially as you get older.
Regards, Snowyb