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