Hi emeralds,
I was just wondering about the decision to pick Company Plan as an alternative to changeover to at your renewal date 1/8/2013.
Was this plan suggested to you by VHI or was it your own choice of plan?
Either way, it is not a great choice of alternative plan for the price.
The main reason being you are losing hi-tech hospital cover - ie orthopaedic and all other general surgery in the
Blackrock Clinic, Mater Private and Beacon Hospital.
For a similar price to Company Plan, you can keep the same level of hospital cover that you are on at present with VHI.
Details as follows;
Adult Option; Plan PMI 10 11; price per adult; 977pa; similar hospital cover as before(with 125 excess) + some outpatient cover(30 excess).
Child Option; One Plan Choice; price per child; 244pa; similar hospital cover as before(with 125 excess) no outpatient cover.
www.hia.ie/ci/comparison/step3?88&252&290/
2 adults x 977 = 1954 - Plan PMI 10 11
2 kids x 244 = 488 - One Plan Choice
Total family price; 2442
The above prices include a small increase which applies from 1st August 2013 as highlighted on
www.hia.ie/latest-news/latest-news/vhi-rate-and-benefit-changes-to-pmi-plans-01.08.2013/
LAYA HEALTHCARE;
I appreciate you are reluctant to switch providers, but I just have to highlight a very good offer with Laya from 1/8/2013.
Adult Option
New plan called ' Simply Health Connect' 960(987) per adult, same hospital cover as before + good outpatient cover(50% refund gp etc)
Price in brackets includes 3% charge if you pay by instalments.
Details will be available on HIA.ie on 1/8/2013.
www.hia.ie/latest-news/latest-news/...nnect-and-health-sense-connect-on-01.08.2013/
Similar to Simply Health Excess - with a hi-tech excess 250 on the new plan instead of 200.
Example of similar cover;
www.hia.ie/ci/comparison/step3?88&279/
Child Option with Laya
Family Care; price per child from 1/8/2013 is 212(218) - same hospital cover as before + good outpatient cover (50% refund gp etc)
www.hia.ie/ci/comparison/step3?88&50/
2adults x 987 = 1974 - Simply Health Connect plan
2 kids x 218 = 436 - Family Care plan
Total family price; 2410
This is a really good price, including good outpatient cover. With this plan, you would not need Hospital Saturday Fund as full outpatient
cover is included.
The total family price is cheaper than Company Plan 2432pa - which has reduced hi-tech cover and no outpatient cover.
GLOHEALTH
Another option well worth considering is the following;
Better Plan; adult price; 915pa - similar hospital cover(100 excess) no outpatient cover.
Better Plan; kids price; 230pa - similar hospital cover(100 excess) no outpatient cover.
2 adults x 915 = 1830
2 kids x 230 = 460
Total family price; 2290pa
www.hia.ie/ci/comparison/step3?88&298/
AVIVA
Here's another suggestion with Aviva at a competitive price;
Adult Option
Health Plan 05; adult price; 946pa; same hospital cover(75 excess) + good outpatient cover (50 excess).
www.hia.ie/ci/comparison/step3?88&307/
Child Option
Level 2 Family Health; child price; 228pa - same hospital cover(75 excess) no outpatient cover.
www.hia.ie/ci/comparison/step3?88&248/
2adults x 946 = 1892pa
2 kids x 228 = 456pa
Total family price; 2348pa
There's plenty of savings to be made without compromising on hospital cover. I included options with all 4 providers which may also
help other people reading these posts.
You can change your mind, if you wish, upto 14 days after 1st August 2013.
Also, your multi-trip travel insurance policy with VHI is not affected in any way if you change health insurance provider - on condition
that full overseas cover is included on your health insurance plan, minimum 65,000 hospital bill cover. All the above suggestions
include full overseas cover.
Hope this clarifies your position a little clearer, without causing more confusion.
Regards, Snowyb