Health Insurance ConnectChoice opinions
- Thread starter ian866
- Start date
Hi, Just to clarify it does have the 20% shortfall for both ortho and ophth as shown below.
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Hospital Cover - Public Hospitals
| Day-case/Out-patient surgical | Full cover |
|---|---|
| Semi-private | Full cover |
| Private | Full cover |
Hospital Cover - Private Hospitals
| Private hospital excess | €50 excess for day-case/out-patient surgical, €125 excess for overnight admissions. Overnight in-patient excess is payable a maximum of once per member, per contract year |
|---|---|
| Day-case/Out-patient surgical | Full cover, including Beacon Hospital |
| Semi-private | Full cover, including Beacon Hospital |
| Private | €165 shortfall per night, including Beacon Hospital. Full cover in Mater Private Cork |
| Specified Orthopaedic & Ophthalmic Procedures | 20% shortfall |
| Non Hospital Surgical Centres | €50 excess per claim |
Hospital Cover - Hi-tech Hospitals, Blackrock Clinic, Mater Private Dublin & Beacon Hospital
| Hi-tech hospital excess | €50 excess for day-case/out-patient surgical, €125 excess for overnight admissions. Overnight in-patient excess is payable a maximum of once per member, per contract year |
|---|---|
| Day-case/Out-patient surgical | Full cover |
| Semi-private | Full cover in Beacon Hospital & €175 shortfall per night in Blackrock Clinic & Mater Private Dublin |
| Private | €165 shortfall per night in Beacon Hospital & €175 shortfall per night in Blackrock Clinic & Mater Private Dublin |
| Cover for specialist cardiac procedures in Hi-tech hospitals | Full cover - no excess |
| Specified Orthopaedic & Ophthalmic Procedures | 20% shortfall |
Hospital Cover - Other Benefits
| Participating Consultants' fees | Full cover |
|---|---|
| Psychiatric treatment | Full cover up to 100 days per year |
| Drug, Alcohol, Gambling & substance abuse | Full cover up to 91 days every 5 years |
| Convalescence care | Up to €50 per day for 14 days |
It probably does but who are we mere mortals to know for sure so it is probably best to check with Laya.
Your many queries are so complex that its probably best that you get advice if not from a health broker then from a health insurer.
This is the Laya's own list of specified orthopaedic procedures https://www.layahealthcare.ie/yourbenefits/orthopaedic/
And here is their list of plans that have full cover. https://www.layahealthcare.ie/media/site/pdfs/list-of-cover-for-specific-Orthopaedic-Procedures.pdf
You might want to double check that a plan actually has this before signing up. Just Google Laya + the plan name, go down to Hospital Cover and it should confirm that there's no ortho shortfall.
And here is their list of plans that have full cover. https://www.layahealthcare.ie/media/site/pdfs/list-of-cover-for-specific-Orthopaedic-Procedures.pdf
You might want to double check that a plan actually has this before signing up. Just Google Laya + the plan name, go down to Hospital Cover and it should confirm that there's no ortho shortfall.
Laya's Control 600 Total has the full orthopedic and it's a bit cheaper.
However you don't get as much back in Outpatients reimbursement, but you do get something.
See Comparison here.
www.hia.ie
However you don't get as much back in Outpatients reimbursement, but you do get something.
See Comparison here.
Health Insurance Comparison Tool | HIA
Compare health insurance plans across a wide variety of providers in Ireland. You can also compare your current health insurance plan with other plans available.
www.hia.ie