Insurance confusion - renewal advice

[Germaine]

Hi there

Bit shocked at the renewal quote we have received for family health insurance - two adults and two kids (age 3 & 7). Have been with Glohealth Better Choice plan. Can anyone advise comparison plans cheaper - no health conditions and really only keen on semi private room in private hospital. Renewal date 29 November.

Been ringing around and getting totally confused by the market.

Thanks.

 

[snowyb]

Germaine,

Best value plan for children at the moment, is the half price offer with VHI as follows;
VHI One Plan Family; price 152 per child; all public, private and hi-tech hospitals covered, private excess 125 per admission or day case. Limited
day to day cover.
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The following alternative plans for 2 adults as follows;

1. Irish Life Health; Select More plan; price 950pa; public,private and Beacon hi-tech hospital cover, private excess 150 per admission, day case excess 75 per visit. Cover for a private room in a private hospital included on this plan.

2. VHI PMI 40 15 plan; price 1009pa; public, private and some hi-tech hospital cover, private excess 75 per admission/day case, limited day to day.

3. Laya Simplicity Plan; price 1087pa; public, private and all 3 hi-tech hospitals covered, private excess 100 x 2 max per year, day case excess 50
per visit. Good day to day cover - first 100 not allowed. Cover for a private room in a private hospital included on this plan.

4. Glohealth; Best Smart Plan; price 1165pa; public, private and 3 hi-tech hospitals covered, private excess 100 per admission, day case excess
50 per visit, good day to day cover on this plan.

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NOTE; VHI allow children to be insured on their own, an adult is just named on the policy but only the children are insured.
So, the adults can choose a different provider if it suits, to make more savings. Likewise, each adult could choose a different provider if its
suits their medical needs etc.

Regards, Snowyb

 

[Germaine]

Many thanks for your assistance Snowyb. It is much appreciated.