Health Insurance Experience with Aviva's Level Health Insurance

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peemac

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I have moved the posts about actual quotes and experience with Level Health to here - Brendan

At first glance its looking about 20% cheaper than Laya on an equivalent plan - Flex 500 Explore €188/month for 2 of us v €148/month on Level health B @ 500excess. If i move to 300 excess its €156/month

I've yet to look at everything, but in the areas I'd be looking at it seems identical, so will probably switch with €500 savings.


Some small difference in how excess is applied. EG Laya don't apply excess for psychiatric stays/substance abuse stays, whereas Level health do.
Another difference is the room cover. On Laya I have private room cover but level health is semi private unless I mover to Plan C. So that's a point to note if you think you are likely to need a hospital stay.
 
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I have just got my renewal from Laya for December 1st... Control Create 300 x 2 €3837 (3054 last year)

Plan D Level Health similar cover but no excesses (I think for Blackrock etc..) is coming in at 4525 but if home insurance is discounted by 50% as they say, might be a more viable option. Simplicity is coming in about the same but again excesses are much higher for some of the hi tech hospitals.

I can't see much about pre existing conditions or waiting times for what they might consider an upgrade of policy. Maybe I am looking in the wrong area.

Am I right in assuming the all consultants etc.. will automatically be included?
 
The perks are certainly attractive

Decent travel insurance included (incl winter sports)
50% off Home insurance
Personal accident insurance
15% off car insurance
 
I had a quick look at day to day cover. Only 1 GP visit a year, max refund is €40. I go to GP once a year, this year it was 3 times but that's unusual.
 
becky said:
I had a quick look at day to day cover. Only 1 GP visit a year, max refund is €40. I go to GP once a year, this year it was 3 times but that's unusual.
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I think that's without the day to day expenses add-on?
I made a mistake earlier but deleted my post because it was misleading.
I think if you add on the day to day expenses option the refunds are more extensive.
 
ClubMan said:
I think that's without the day to day expenses add-on?
I made a mistake earlier but deleted my post because it was misleading.
I think if you add on the day to day expenses option the refunds are more extensive.
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OK. Thanks for clarifying. I'm not due to change until may so will look closer nearer the time.

Pat Kenny and Clare Byrne covered it this morning ie Friday 15th November. Overall they both seemed positive about it
 
I made the switch yesterday, no brainer. I was with irish life health guide 1 last year costing 1296. I was quoted 1517 last week for the exact same plan for renewal in December. I purchased plan c yesterday for 1220 for virtually the same plan or very close to it. My home insurance renewal is due also. I was quoted 400. I will get 50% off here. I also have car insurance with aviva. Not yet due for renewal but I will get 15% off here. Plan c also covers travel insurance which will save me 100 euro. This new offering is very worthwhile in my view.
 
Rossies said:
I made the switch yesterday, no brainer. I was with irish life health guide 1 last year costing 1296. I was quoted 1517 last week for the exact same plan for renewal in December. I purchased plan c yesterday for 1220 for virtually the same plan or very close to it. My home insurance renewal is due also. I was quoted 400. I will get 50% off here. I also have car insurance with aviva. Not yet due for renewal but I will get 15% off here. Plan c also covers travel insurance which will save me 100 euro. This new offering is very worthwhile in my view.
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What is day to day cover under Plan C ?
 
I'm paid 4400 for health guide 2 with Irish Life Health, 2 adults and 3 kids (one just turned 18 so assume adult rates from now), haven't got renewal yet or at keast I can't find it.

Will post back when I figure out closest level health plan.
 
charlie007 said:
NOW I'm excited!
I've had a good look at Plan D and believe it blows my Laya Simplicity policy out of the water in virtually every department!!
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Plan D seems way too cheap compared to the other insurers high end plans - I am looking for the catch!
 
In terms of reductions, you can already get car insurance reduction when you have several policies in the same household, same for the home insurance. There is also access to a free travel insurance policy with these.
 
messyleo said:
Plan D seems way too cheap compared to the other insurers high end plans - I am looking for the catch!
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My Simply Connect Plus policy is up for renewal at the end of this month. Plan D will cost €120 more, has a €125 outpatient excess, and appears to cover only €20 of the cost of an xray. But there are no excesses on hospital stays or day case treatment, a higher day to day/outpatient limit, plus possible saving on house insurance.

I will have to sit down and compare the two carefully, using the past year's claims as a reference point. I'd already ruled out Simplicity as not saving me any money.

However, my husband is on Laya Inspire Plus - renewal quote €1633 - and unless I'm mistaken Levelhealth Plan C will be a no brainer for him.
 
mct1 said:
My Simply Connect Plus policy is up for renewal at the end of this month. Plan D will cost €120 more, has a €125 outpatient excess, and appears to cover only €20 of the cost of an xray. But there are no excesses on hospital stays or day case treatment, a higher day to day/outpatient limit, plus possible saving on house insurance.

I will have to sit down and compare the two carefully, using the past year's claims as a reference point. I'd already ruled out Simplicity as not saving me any money.

However, my husband is on Laya Inspire Plus - renewal quote €1633 - and unless I'm mistaken Levelhealth Plan C will be a no brainer for him.
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Me and my husband are on Laya Inspire Plus. Haven't got renewal premium yet but will be switching to Plan C too.
 
For me, the premium is roughly the same but the cover is better, particular the day to day which I use a fair bit.

The car discount probably won't apply because I'm on their 'minimum' premium. The house 50% would be a fair saving at renewal - that insurance line must be very profitable or else my premium will go up substantially at renewal so they'll be adding it on to discount it off. I have an annual multi-trip travel policy already that has cover up to 4,000m hiking with a different provider but I can't see that the 'free' policy has that type of cover which I regularly use.

Looks like they're in the market to complete and build up a base but I can't see them not increasing the policies with the day-to-day in the not too distant future.
 
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