Hello jc12,
With 2 young children under 3yrs, there are good offers on at the moment with Glohealth which are open to you.
Children under 3 yrs go free on certain plans with just 1 adult.
Glohealth are a new company in the market, set up last year by a group of former executives and staff from Aviva Health and
their offers are well worth considering, especially with very young children.
Here are a number of suggestions to consider;
Option 1:
Glohealth;
Better Plan Excess Cash; Adult Price; 999pa; full hospital cover with(100 excess) good day to day cover( with 50euro excess per person).
Children under 3yrs are free on this plan.
Children over 3yrs; price per child; 272pa - full hospital cover(no excess applies to childrens hospitals) + good day to day(50 excess).
www.hia.ie/latest-news/latest-news/glohealth-launch-new-plan-better-plan-excess-cash-01.08.2013/
This is a new plan with effect from 1 August 2013 so full details will be available on Hia.ie from that date.
OVERALL PRICE:
2 Adults x 999 = 1998
2 children free
1 child x 272 = 272
Total family price 2270pa
NOTE 1; A hospital excess(100 euro) only applies to a private or hi tech hospital, it is a payment to be paid if yourself or your wife is
admitted for surgery or treatment. It does NOT apply to any public hospital for adult or children.
NOTE 2; The day to day excess(50 per person) means that the first 2 doctors visits for each person would not be refunded.
The cover you have at the moment means the first doctor visit for each person is not refunded.
The following 2 options give better day to day cover - where all visits are refunded with 1euro excess.
Option 2;
Glohealth;
Better Plan; Adult Price; 915pa; - full hospital cover with(100 excess) + very limited day to day cover(150 excess per person)
Children under 3 yrs of age are free with one adult on this plan.
Children over 3 yrs; Good Plan; price per child 195pa - public hospital cover, all childrens hospitals are public only.
www.hia.ie/ci/comparison/step3?82&298&297/
As 'Better Plan' has no day to day cover, they have a seperate day to day outpatient plan which is also free for children under 3 with one
paying adult. Details as follows;
Daily Care Better Plan; price per adult; 198pa - good day to day cover with a 1euro excess, all visits are refundable.
Children under 3 yrs go free with one adult.
Children over 3 yrs; price 99pa - good day to day cover with 1 euro excess, all visits are refundable.
www.hia.ie/ci/comparison/step3?outpatient&304/
OVERALL PRICE;
2 Adults x 915 = 1830; (Better Plan) + 2 children free.
1 child x 195 = 195; (Good Plan)
1 Adult x 198 = 198; (Daily Care Better Plan - day to day) + 2 children free.
1 child x 99 = 99; (Daily Care Better Plan - day to day)
TOTAL FAMILY PRICE; 2322pa
The above "Option 2" covers good hospital cover for all the whole family and full day to day outpatient cover for 1 adult and the 3 children, with
all visits refundable ie. 25 refund per visit. You can decide which adult will sign up for the outpatient cover which is required if the 2 kids are
to go free, whoever is more likely to use it more often.
Option 3
In the past year, there is a growing trend where families use 2 different companies to save money overall, according to their needs.
The following suggestion shows how you can do this to maximise cover at the cheapest price available with Glohealth and Laya Healthcare.
This option will include full hospital cover + good day to day cover(1 euro excess) for 2 adults and 3 children.
Details as follows;
Laya Healthcare;
This company has 2 new plans coming out on 1 Aug and 9 Aug 2013, worth considering for adults including full hospital + good outpatient cover.
1. Simply Health Connect; adult price 960 or (987 includes a 3% charge if you pay by instalments)
OR
2. Connectcare; adult price 990 or (1017 includes 3% charge if you pay by instalments)
www.hia.ie/latest-news/latest-news/...nnect-and-health-sense-connect-on-01.08.2013/
www.hia.ie/latest-news/latest-news/laya-will-release-a-new-plan-connectcare-on-09.08.2013/
Child Option with Laya
Family Care plan; price per child 212pa - full hospital cover and good day to day outpatient cover(1 euro excess)
This reduced price will apply from 1 August 2013.
www.hia.ie/ci/comparison/step3?82&50/
Glohealth;
Better Plan; adult price; 915pa; good hospital cover, limited day to day outpatient cover + 2 children go free under 3 yrs.
www.hia.ie/ci/comparison/step3?82&298/
+
Daily Care Better Plan; adult price; 198pa - good day to day cover + 2 children under 3yrs go free.
www.hia.ie/ci/comparison/step3?outpatient&304/
OVERALL FAMILY PRICE
1 x Adult; 915 (Better plan includes 2 kids free)
1 x Adult; 198 (Daily Care Better Plan includes 2 kids free)
1 x Adult; 987 ( Laya Simply Health Connect)
1 x Child; 212 ( Laya Family Care plan)
TOTAL FAMILY PRICE; 2312pa
OPTION 4 - VHI
If you wanted to stay with VHI, similar cover for 2 adults with good hospital cover(NO day to day) and 3 kids good hospital + day to day will
cost 3011pa. Details as follows;
One Plan; price per adult; 943 x 2 - good hospital, no day to day cover.
PMI 35 13 PLAN; price per child; 375 x 3 - good hospital + good day to day cover.
TOTAL FAMILY PRICE; 3011pa
www.hia.ie/ci/comparison/step3?82&105/
www.hia.ie/latest-news/latest-news/vhi-release-new-plan-pmi-35-13-on-01.08.2013/
OR
Full hospital cover + good day to day cover for the whole family with VHI will cost 3245pa
PMI 35 13 PLAN; adult price 1060 x 2
PMI 35 13 PLAN; kids price 375 x 3
TOTAL FAMILY PRICE 3245pa.
OPTION 5 -
AVIVA HEALTH
Similar cover with Aviva Health, just hospital cover for 2 adults and full hospital cover + good day to day for 3 children, will cost 2876pa.
Full hospital + day to day cover for 2adults + 3kids will cost 3028pa.
Details as follows;
Level 2 Health Excess; adult price 904 x 2 = 1808 - full hospital cover + limited outpatient cover.
Health Plan 06; child price 356 x 3 = 1068 - full hospital cover + good day to day outpatient cover.
TOTAL FAMILY PRICE; 2876pa
www.hia.ie/ci/comparison/step3?82&249&309/
OR
Health Plan 06; adult price 980 x 2 = 1960 - full hospital cover + good day to day outpatient cover.
Health Plan 06; kids price 356 x 3 = 1068 - full hospital cover + good day to day outpatient cover.
TOTAL FAMILY PRICE; 3028pa
www.hia.ie/ci/comparison/step3?82&309/
As the above 5 options with all 4 providers show, there are plenty of savings to be made, without compromising on cover.
You are paying through the nose at the moment with VHI, especially for the children.
The free kids offer with Glohealth is well worth considering, hope you find suitable alternatives.
If you have any further questions, no problem.
Hope I haven't provided too much info, there's a lot of food for thought - which may help other readers also.
You have plenty of time on your side to consider your choices, hopefully the above prices will stay the same until September.
Regards, Snowyb