Laya 2A 3C currently with LAYA renewal 01 sept

[sparky11]

Just looking for a bit of advice. 2 ad 3 ch currently with LAYA Essential First for adults and Essential Connect for children. renewal is up on 01 sept and it is for E1926.

Would I be better switching to AVIVA VAlue focus for Adults and Family Focus for children which I calculate to cost about E1500.

Any advice would be welcome as i really do get lost when reading all the different plans out there.

 

[snowyb]

Hi sparky11,

The focus plans with Aviva are only worth considering if the restricted list of hospitals suits your location.
You can check out this restricted list for both plans as follows;
Adult plan hospital list; click on your county and list appears on-screen;

www.avivahealth.ie/focus-plans/just-enough-plans/?focus=value

Children's plan hospital list; click on your county and list appears on-screen;

www.avivahealth.ie/focus-plans/just-enough-plans/?focus=family

Also, your children have to be aged 5-17 years to qualify for the half-price.


If the Aviva hospital list does NOT suit your location, there is an alternative option with Laya with NO hospital restrictions.
Prices in brackets include a 3% charge if you pay by instalments;

LAYA Adult Option;
Essential Secure; price per adult; 495(509)pa; just public hospital cover, no outpatient cover.
www.hia.ie/ci/comparison/step3?285&299/

LAYA Childrens Option;
Family Care Plan; price child (1+2); 212(218)pa child 3; 179(182)pa; public,private + hi-tech cover, + good outpatient cover 50% refund gp etc.
www.hia.ie/ci/comparison/step3?282&50/

Overall Price;
2 adults x 509 = 1018
2 kids x 218 = 436
1 kid x 182 = 182
Total Price; 1636

Regards, Snowyb

 

[sparky11]

cheers for that snowy, will have a look. I know it sounds lazy but I just cant get my head around all the different plans and its great to have your opinion

 

[macdo]

Aviva cover ALL public hospitals in an emergency on the focus plans. Vhi and Laya also have a couple of these restricted hospital policies .