Renewing Health Insurance Policies (3 different age groups)

[margaret1]

We are renewing our Health Insurance Policies on April 1st, it has been 3 yrs since we reviewed our policies and wondering if we could received some advice please.
Currently I am on VHI PMI 26 12 €1337 (adult) and happy with the policy, however I have no problem changing to another company either. Our 2 kids are on Nurses Plan Select €160.91( child) however the oldest turned 18 so the premium increased to €432(young adult rate) I would like to have our young adult on a higher day to day plan and ok if the hospital excess has to increase. Any recommendations would be greatly appreciated. Thank you.

 

[snowyb]

margaret1,

The following VHI plan is worth considering for yourself and the 18 year old;

VHI Company plan plus level 1.3; Price 1128pa per adult; Price; 382pa for 18 yr old; all public, private and 3 hi-tech hospitals covered. Private/hi-tech excess 150 per admission. Day case excess 50 per procedure. Good day to day cover. There is extra hi-tech hospital cover on this plan compared to your current plan.

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Child Option
VHI Parents and Kids Excess Plan, price 153 per child, is a better option for your other child. Lower excess in private/hi-tech hospitals and
extra hi-tech hospital cover. Slightly lower premium.
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You have 14 days after renewal date to make changes if you wish.

Regards, Snowyb

 

[margaret1]

Thank you very much Snowyb. I contacted VHI and have changed the 3 different age groups to the different plans as recommended.

Overall the new plans definitely offer a higher level of cover and we have also saved on the total net premiums.

Many thanks for sharing your knowledge and expertise on this forum, it is very much appreciated.