Irish Life Health 1a 2c Aviva Business Plan Extra - Renewal Sep 1st €1,863

[Magsb]

Hi,

My current policy is Business Plan Extra with Aviva and is due for renewal on Sep 1st. Based on 1 adult and 2 kids (ages - 3 months and 2 years) the renewal premium is 1,863 (adult price 1,125 kids 369 each.)

I am currently on unpaid maternity leave so I am looking to make a significant saving by changing my current plan. My main concern is to have a good level of cover for the kids, I am not to concerned about the level of cover for myself. Any recommendations?

 

[snowyb]

Hi Magsb,

Welcome to AAM!

As you have very young children, both under 3 yrs, Glohealth have really good offers where children under 3 go free with one adult.

Option 1; Glohealth - children under 3 go free

Better Plan Excess Cash; price per adult 999pa - good hospital cover(public, private and hi-tech cover) + good outpatient cover the first 2 doctor visits per person is not refunded(50 euro excess).

Your 2 children will be included for free on your policy.
www.hia.ie/ci/comparison/step3?97&348/


Option 2; Glohealth - children under 3 go free on these 2 plans

Better Plan; price per adult; 915pa - good hospital cover(public,private and hi-tech hospital cover) no day to day outpatient cover.
www.hia.ie/ci/comparison/step3?97&298/

Daily Care Better Plan; price per adult 198pa - this is a good day to day out-patient plan which covers gp, consultant, dental visits etc - all visits refunded
www.hia.ie/ci/comparison/step3?outpatient&304/

Total price 915 + 198 = 1113pa; 1 adult + 2 kids included.


Option 3; Laya Healthcare

Simply Health Connect; price 960(987); good hospital cover + good outpatient cover
or
Connectcare; new plan released on 9th August 2013; price 990(1017)
worth considering;
www.hia.ie/ci/comparison/step3?97&351/

Child Options
Family Care; child price 212(218) x 2 = 436pa; good hospital and good outpatient cover;

www.hia.ie/ci/comparison/step3?97&349/

As shown above, there are plenty of savings to be made without reducing cover, hope this helps with your decision.

Regards, Snowyb

 

[Magsb]

Hi Snowyb,

Thank you for simplifying my search for alternative HI plans. I really appreciate your help and will look into each of your recommendations.

Regards, Magsb