Hi Edie75,
There are a few different options available to you to consider with all 4 providers.
OPTION 1;
As you have 1 child under 3years at renewal date, Glohealth have a good offer on 2 plans - children under 3 go free with 1 adult.
Details as follows;
Adult Options;
1. Best Plan; price per adult; 1100pa; good hospital cover(no private hospital excess) + some outpatient cover(see consultants cover re surgery)
www.hia.ie/ci/comparison/step3?77&335/
2. Better Plan; price per adult; 915pa; good hospital cover( 100 private hospital excess) + limited outpatient cover.
www.hia.ie/ci/comparison/step3?93&298/
As your husband's present plan has NO hospital excess, I would recommend Best Plan for him. Your 2 year old child will be covered free
of charge on this plan.
I would recommend Better Plan for yourself, similar but better overall hospital cover for you. Note, extra 5% discount on this plan if you
switch online
www.glohealth.ie.
Child Options; for 4 year old..
1. Good Plan; price per child; 195pa; public hospital cover only, limited outpatient cover.
2. Better Plan; price per child; 230pa; public,private & hi-tech hospital cover, limited outpatient cover.
www.hia.ie/ci/comparison/step3?200&297&298/
NOTE; None of the above plans have good outpatient cover included, Glohealth have a seperate outpatient plan which covers gp,consultant,
dental visits etc. if required. Details as follows; Children under 3 years also free on this extra plan.
Daily Care Better Plan; price per adult; 198pa; consultant 60x3, gp, dental, physio etc 25 x 5 visits to each covered for each person.
www.hia.ie/ci/comparison/step3?outpatient&304/
Overall Family Price;
1 adult x 1100 = 1100 - Best Plan husband + 2 yr old free
1 adult x 915 = 915 - Better Plan wife
1 child x 230 = 230 - Better plan 4 yr old
Total Price 2245pa - Note this can be reduced to 2210 if Good Plan is chosen for 4 yr old, public hospital cover only.
Also, if one or more adults choose the optional extra outpatient cover Daily Care Better plan, add on 198 per adult to the above total.
This extra plan is good value, even for 1 adult, as the child is covered for gp etc , at no extra cost. 2 for the price of 1.
OPTION 2; VHI + GLOHEALTH COMBINED - families using 2 providers to save money is a new trend over the past year.
VHI; Husband; PMI 30 12 Plan; 1104pa; good hospital cover( no hospital excess) limited outpatient cover.
www.hia.ie/ci/comparison/step3?77&314/
GLOHEALTH; Wife; Better Plan; 915pa; good hospital cover(100 excess) limited outpatient cover( 2 yr old child included free).
www.hia.ie/ci/comparison/step3?93&298/
GLOHEALTH; Child; Good Plan or Better Plan; 195pa or 230pa ; see details above in option 1 Child options;
www.hia.ie/ci/comparison/step3?200&297&298/
Total Price;
1 adult x 1104 = 1104 - husband VHI PMI 30 12 PLAN;
1 adult x 915 = 915 - Better plan glohealth - wife + 2yr old free
1 child x 230 = 230 - Better plan glohealth - 4 yr old child
Total overall price; 2249pa; - Note this can be reduced to 2214pa if Good Plan(195) is picked for 4 yr old child.
OPTION 3; LAYA + GLOHEALTH COMBINED
note; prices in brackets includes a 3% charge if you pay by instalments.
LAYA; Husband options - no excess
1. Healthwise Plus No Excess; price per adult 1003(1033)pa; good hospital cover, no excess, limited outpatient cover.
2. Company Care Plus; price per adult; 1201(1237)pa; good hospital cover + extras + excellent outpatient cover ( 75% refund for gp + consultant
www.hia.ie/ci/comparison/step3?77&277&198/
LAYA; 4 YR OLD CHILD
Family Care Plan; price per child; 212(218)pa; good hospital cover(all levels) + good outpatient cover 50% refund gp, consultant,dental etc.
www.hia.ie/ci/comparison/step3?200&50/
GLOHEALTH; WIFE + 2YR OLD FREE (as already shown above Better Plan)
Better Plan; price 915pa; good hospital cover(100 excess) limited outpatient cover ( 2 yr old child included free)
www.hia.ie/ci/comparison/step3?93&298/
If you all wish to go with Laya, an alternative for you with Laya, is 'Connectcare Plan' price 990(1017)including good outpatient cover 50% refund.
www.hia.ie/ci/comparison/93&351/
In that scenario, the 2 kids would go onto Family Care plan; price 212(218)per child - full hospital cover, good outpatient 50% refund.
OVERALL PRICE
1 adult x 1033 = 1033 - laya plan Healthwise Plus No Excess.
1 child x 218 = 218 - laya Family Care plan.
1 adult x 915 = 915 - Glohealth Better plan.
+ 2yr old free = free
Total price; 2166pa
If your husband chooses Company Care Plus plan; the total family price will be 2360pa.
Likewise, if you choose LAYA for the whole family; the total family price will be 2486pa including good outpatient for everyone.
OPTION 4; AVIVA + GLOHEALTH COMBINED
Glohealth; husband; Best Plan; 1100pa - good hospital,no excess, some but limited outpatient cover.
+ 2yr old child included on this plan free.
www.hia.ie/ci/comparison/step3?77&335/
AVIVA; Wife options;
1. Level 2 Health Excess; price per adult 904pa; good hospital cover, limited outpatient cover.
2. Health Plan 05; price per adult; 945pa; good hospital cover, good outpatient cover (50 euro excess). first 2 gp visits NOT refunded.
3. Health Plan 06; price per adult; 980pa; good hospital cover, good outpatient cover ( 1 euro excess). all visits refunded.
www.hia.ie/ci/comparison/step3?93&307&309/
Child options; for 4 yr old
Aviva Level 2 Family Health; price per child 215pa - good hospital cover, limited outpatient cover.
www.hia.ie/ci/comparison/step3?200&248/
note; correct price is 215 per child, error on hia price.
OR
Glohealth Good Plan; 195 per child; just public hospital cover only.
www.hia.ie/ci/comparison/step3?200&297/
NOTE; the Aviva half price offer for kids at the moment is for children age 5+, so they would not qualify for this offer.
OVERALL PRICE
1 adult x 1100 = 1100 - glohealth Best plan- husband( includes 2yr old free).
1 adult x 904 = 904 - aviva level 2 health excess - wife.
1 child x 215 = 215 - aviva level 2 family health.
Total Price; 2215pa
If you choose Health plan 05 or 06 or Glohealth Good plan for the 4 yr old, this will adjust the price accordingly.
As the above 4 options show, there are some savings to be made, some also include extra cover.
Your husband's present plan has No hospital excess, that's why I quoted plans with NO EXCESS for him.
Note; a hospital excess 100 or 125 only applies on admission to any private or hi-tech hospital, it does NOT apply to public hospital
admissions. As he actually deals with a public hospital (Beaumont hospital), he could choose plans with an excess if he wants.
He could choose the options recommended for you, if he wants. This would reduce the overall price accordingly.
Hope I haven't gone overload with info. Plenty of alternatives at cheaper prices.
If you have any questions or need anything explained in more detail, no problem.
Regards, Snowyb