Health Insurance ConnectChoice opinions

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ian866

Registered User
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What’s peoples opinions on connect choice from laya?

seems good value to me but I’m clueless?
 
It is a very good all round policy, 75% back on GP fees, 50% back on consultant fees, the excesses for overnight admission aren't that bad. It does have the 20% ortho however most of the polices in this price range have this shortfall now.
 
Greenleaf said:
It does have the 20% ortho however most of the polices in this price range have this shortfall now.
Click to expand...

Hi, Just to clarify it does have the 20% shortfall for both ortho and ophth as shown below.

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Hospital Cover - Public Hospitals​

Day-case/Out-patient surgicalFull cover
Semi-privateFull cover
PrivateFull cover

Hospital Cover - Private Hospitals​

Private hospital excess€50 excess for day-case/out-patient surgical, €125 excess for overnight admissions. Overnight in-patient excess is payable a maximum of once per member, per contract year
Day-case/Out-patient surgicalFull cover, including Beacon Hospital
Semi-privateFull cover, including Beacon Hospital
Private€165 shortfall per night, including Beacon Hospital. Full cover in Mater Private Cork
Specified Orthopaedic & Ophthalmic Procedures20% shortfall
Non Hospital Surgical Centres€50 excess per claim

Hospital Cover - Hi-tech Hospitals, Blackrock Clinic, Mater Private Dublin & Beacon Hospital​

Hi-tech hospital excess€50 excess for day-case/out-patient surgical, €125 excess for overnight admissions. Overnight in-patient excess is payable a maximum of once per member, per contract year
Day-case/Out-patient surgicalFull cover
Semi-privateFull cover in Beacon Hospital & €175 shortfall per night in Blackrock Clinic & Mater Private Dublin
Private€165 shortfall per night in Beacon Hospital & €175 shortfall per night in Blackrock Clinic & Mater Private Dublin
Cover for specialist cardiac procedures in Hi-tech hospitalsFull cover - no excess
Specified Orthopaedic & Ophthalmic Procedures20% shortfall

Hospital Cover - Other Benefits​

Participating Consultants' feesFull cover
Psychiatric treatmentFull cover up to 100 days per year
Drug, Alcohol, Gambling & substance abuseFull cover up to 91 days every 5 years
Convalescence careUp to €50 per day for 14 days
 
Is there anything similar without the 20% that I’ve missed?

I also don’t understand the “specified procedures” part. Does that mean it only applies to some procedures and not all?
 
ian866 said:
I also don’t understand the “specified procedures” part. Does that mean it only applies to some procedures and not all?
Click to expand...

It probably does but who are we mere mortals to know for sure so it is probably best to check with Laya.

Your many queries are so complex that its probably best that you get advice if not from a health broker then from a health insurer.
 
Laya's Control 600 Total has the full orthopedic and it's a bit cheaper.
However you don't get as much back in Outpatients reimbursement, but you do get something.
See Comparison here.

Health Insurance Comparison Tool | HIA

Compare health insurance plans across a wide variety of providers in Ireland. You can also compare your current health insurance plan with other plans available.
www.hia.ie
 
sadie said:
Laya's Control 600 Total has the full orthopedic and it's a bit cheaper.
However you don't get as much back in Outpatients reimbursement, but you do get something.
See Comparison here.
Click to expand...

Oh wow, yeah the consultants and doctors visits money that you get back is very low.

I guess I need to admit I can’t get good outpatient cover and the 20% shortfall being removed at €1500 ish price point
 
Looks like the connect choice plan from laya doesn’t increase from October, I had assumed all do
 
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