I can't believe how confusing VHI have managed to make choosing a plan. No wonder older people have been rolling over their plans for years and just accepting the increase in their premium! Their renewal is nearly 4.5K which seems way too much.
I've been looking at the following Corp Plans ( PMI 3513 @ €1366 and PMI 4115 @ €1519 From what i can deduce PMI 3513 is the same as 4115 but just with slightly higher excess on various claims.
I'm trying to figure out whether these plans have full orthopaedic cover but its not clear and also what Level 2 refers to within In-patient cardiac FPPs (Fixed Price Procedure) means. Is is that you're paying for a semi-private room? Both PMI plans cover FPPs Level 1 in Private 3 and 4 hospitals like the Beacon and Blackrock and paying for a private room is definitely not priority.
Both parents are 80 years old, one with early stage Dementia (seems to be covered perfectly within the Public System as he spent 4 weeks in the Mental Health Unit in Sligo a few months ago and all follow up care is free so i'm more concerned about small operations, hip replacements and strokes/heart disease.
Again any advise or signposting to another plan would be much appreciated.
I've been looking at the following Corp Plans ( PMI 3513 @ €1366 and PMI 4115 @ €1519 From what i can deduce PMI 3513 is the same as 4115 but just with slightly higher excess on various claims.
I'm trying to figure out whether these plans have full orthopaedic cover but its not clear and also what Level 2 refers to within In-patient cardiac FPPs (Fixed Price Procedure) means. Is is that you're paying for a semi-private room? Both PMI plans cover FPPs Level 1 in Private 3 and 4 hospitals like the Beacon and Blackrock and paying for a private room is definitely not priority.
Both parents are 80 years old, one with early stage Dementia (seems to be covered perfectly within the Public System as he spent 4 weeks in the Mental Health Unit in Sligo a few months ago and all follow up care is free so i'm more concerned about small operations, hip replacements and strokes/heart disease.
Again any advise or signposting to another plan would be much appreciated.