Hi fobs,
I refer to my previous post of 26th Feb 2013 which suggested alternative options for switching plans.
Note; The 2 Health Smart childrens plans quoted have increased in price since 1st March 2013, which I wasn't fully aware
of when writing the post. The new prices for these 2 kids plans are too expensive to consider. I apologise for the error.
The VHI plans originally quoted were included in the 50 plans increased on 1st March 2013, so the prices previously quoted are now out of date.
I have updated a revised set of options to consider with both Laya Healthcare and VHI Healthcare.
LAYA Healthcare
Adult Options:
Option 1; Company Care Plus; Price per adult: 1059 (1090) (good hospital cover,no hospital excess,higher outpatients 75% refund)
Option 2: Total Health Choice; Price per adult; 874 (900) (good hospital cover,with 100 excess,good outpatients 50% refund)
Price in brackets includes 3% charge if paying by instalments.
www.hia.ie/ci/comparison/step3?104&198&323/
Kids Options:
Option 1: Essential First; Price per child; 195 (200) (public hospital cover only, limited outpatient cover)
Option 2: Essential Connect; Price per child; 219 (225) (public + private hospital cover, limited outpatient cover)
Option 3: Total Health Choice; Price per child; 273 (281) (public + private + hi-tech hospital cover, good outpatient cover 50%)
Price in brackets includes 3% charge if paying by instalments.
www.hia.ie/ci/comparison/step3?285&282&323/
You can mix and match the above options to suit each person according to individual need if you want, here are just a few examples:
EXAMPLE 1
Adult option 1; Husband 1090;
Adult option 2; Yourself 900;
Kids option 3; 281 x 2 562;
Total overall cost; 2552
EXAMPLE 2
Adult Option 1: 1090 x 2 = 2180
Kids Option 2: 225 x 2 = 450
Total Overall cost; 2630
EXAMPLE 3
Adult Option 1: Husband 1090;
Adult Option 2: Yourself 900;
Kids Option 1: 200 x 2 400;
Total Overall Cost 2390
NOTE; A general price increase will apply on 1st April 2013 with LAYA, but you can renew with effect from 29th March 2013 to avoid
this price increase.
When phoning Laya, say about a week before 1/4/2013, make sure to specify you want to renew on 29th March 2013 to
avoid the price increase.
Your renewal date for 2014 will be re-set to 1st March 2014 - so you will only have 11 monthly payments upto 28 Feb 2014.
VHI HEALTHCARE Alternative revised options since price increases 1st March 2013.
Adult Options
Adult Option 1; Plan PMI 05 11; Price per adult; 1244pa (good hospital cover,no hosp excess + higher outpatient cover)
Adult Option 2: Plan PMI 14 11; Price per adult; 1014pa ( good hospital cover,hosp excess 75 + good outpatient cover)price increase 28/3/13
www.hia.ie/ci/comparison/step3?104&232&290/
Kids Options
Kids Option 1; One Plan Starter Price per child; 200pa (public hospital cover only, no outpatient cover)
Kids Option 2: One Plan Choice Price per child; 244pa (public + private + hi-tech hospital cover, no outpatient cover )
Kids Option 3: Plan PMI 14 11 Price per child; 355pa (public + private + hi-tech cover, good outpatient cover)price increase due 28/3/13
www.hia.ie/ci/comparison/step3?103&290&257/
Price comparison with LAYA;
EXAMPLE 1;
Adult Option 1; Husband 1244;
Adult Option 2; Yourself 1014;
Kids Option 3; 355 x 2 710;
Total Overall Price; 2968
EXAMPLE 2;
Adult Option 1; 2 x 1244 = 2488
Kids Option 2; 2 x 244 = 488
Total Overall Cost 2976
EXAMPLE 3;
Adult Option 1; Husband 1244
Adult Option 2: Yourself 1014
Kids Option 1: 200 x 2 400
Total Overall Cost 2658
Again, you can mix and match above VHI options whatever way you choose for each family member, these are just a sample few.
You have plenty of time to re-consider your options before your renewal date.
Apologies again for the errors on 26 Feb.
Snowyb