Health Insurance Insurance renewal advice

[Killarney1]

Hi all,

The renewal of my health insurance is next week it's with laya , essential health 300. It covers myself (40's) and 2 children . We are all in good health "touch wood" with only the odd visit to gp or consultant's . The question is would it be worth moving to a similiar plan with Irish life or vhi which has a lower family excess for claiming day to day stuff or is it a better bet to stick with laya as the policy "seems" to cover more of the major items with out co payment etc if they came up.

Any advise appreciated.

 

[SlurrySlump]

My feeling is that both myself and my wife have recently made a charitable donation to Laya when we renewed our health insurance recently.

Certainly I think that a husband and wife should have separate policies rather than a joint policy. The family excess can be high. If one individual is not in such good health as the other then they can have a lower excess on their own policy.

 

[Zebedee]

Have a look at the hia comparison tool (hia.ie). I found it v useful.

 

[Killarney1]

My feeling is that both myself and my wife have recently made a charitable donation to Laya when we renewed our health insurance recently.

Certainly I think that a husband and wife should have separate policies rather than a joint policy. The family excess can be high. If one individual is not in such good health as the other then they can have a lower excess on their own policy.

Good point. Thanks