Alternatives to Irish Life Be Fit 2

horusd

Registered User
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I'm currently on this policy and have done some research online at HIA and Dermot Goode's Total Health Cover. I've narrowed down options to: 1. Be Fit 4D Health 2 , and what seems to be a leader, Laya Control Create 300. I'm inclined to the last one based on costs and cover, but would appreciate any feedback on the choices before I commit to one or other.
 
horusd,

I would lean towards Laya Control 300 Create, but I would include Laya Simplicity in the comparison. Simplicity has a cap on the private hospital excess
per year of 100 x 2 for all private admissions, regardless of how many in a year. Control 300 Create has an admission excess of 300 per admission in
a private hospital. Also, I would choose Laya because of the full orthopaedic cover in a private/hi-tech hospital, a 2000 co-payment applies to Irish Life
plans.
Note; Simplicity plan reduced in price on 2 November 2019 to 1267pa. So if you renewal date was 1 Nov 2019, I would ask to switch renewal date
to 2 Nov to avail of the lower price.
Control 300 Create is slightly better if day to day cover is important to you, as it has a 1 euro excess for everyday medical expenses.
Simplicity has a 100 excess for day to day cover. Both very good plans worth considering with full cover for a private room in a private hospital.

https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

If full cover for a private room in a private hospital is not a necessity, the following plans have semi-private room cover in private hospitals and
worth considering. Details in the following link;

https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

Regards, Snowyb
 
Thanks so much for the review Snowyb, really, really helpful. I'm always a bit dubious , probably like everyone not in Health Insurance, to take a stab at doing this for myself!
 
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