Health Insurance Experience with Aviva's Level Health Insurance

Levelhealth Plan D has full cover for the specified orthopaedic procedures. The other plans, A to C, have a €2000 co-payment. It's in the tables of cover.
 
Thanks for that mct1, I missed that.

But Levelhealth Plan D is the most expensive, and way beyond what I'm paying now with Laya. So that's a definite minus point for me.

Currently I'm at about €1,000 p.a. with Laya, going up to €1,200 now. But Plan D would cost me at least €2,200.

Now I don't expect too many orthopaedic procedures, but it's something to take into account anyway when deciding.
 
scallywag said:
Thanks for that mct1, I missed that.

But Levelhealth Plan D is the most expensive, and way beyond what I'm paying now with Laya. So that's a definite minus point for me.

Currently I'm at about €1,000 p.a. with Laya, going up to €1,200 now. But Plan D would cost me at least €2,200.

Now I don't expect too many orthopaedic procedures, but it's something to take into account anyway when deciding.
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you must be on a fairly basic plan with Laya if its costing €1,000 currently; probably more comparable to Level Health's Plan A or B offering
 
GAAmam said:
you must be on a fairly basic plan with Laya if its costing €1,000 currently; probably more comparable to Level Health's Plan A or B offering
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And I doubt your laya plan has full cover in blackrock / mater private / hermitage etc so depends where you might be having the procedure also
 
scallywag said:
I see for orthopaedic procedures there's a €2,000 "co-payment". It's in their PDF "Specified Procedures list", so it's the same for all policies it seems.

That's pretty much a showstopper for me - I had a hip relacement this year and my Laya policy covered all of it.

Am I missing something here? I'm calling them now to clarify, and am in a queue for about 30 minues, still waiting.
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What policy do you have with Laya for 1k that covers orthopaedic 100 % ?
 
Armada said:
Has anyone managed to actually speak to any of the team in Level Health by phone or received a call-back or had an online message answered?
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Update: A few weeks on and I still never actually managed to speak to anyone in Level Health. I even stayed on hold once for 2 hours. No replies or follow-up to any of my messages. I finally gave up and renewed with Laya. I understand they are very busy but to be fair to Laya a call-back always came within 2 hours (or less). Not so sure I want to move forward with Level Health if thats the level of service from the get-go.

Coincidentally, I was researching for 3 other family policies, besides my own which were also due for renewal today. BTW looks like all 4 policies are now staying with Laya.
 
Armada said:
Update: A few weeks on and I still never actually managed to speak to anyone in Level Health. I even stayed on hold once for 2 hours. No replies or follow-up to any of my messages. I finally gave up and renewed with Laya. I understand they are very busy but to be fair to Laya a call-back always came within 2 hours (or less). Not so sure I want to move forward with Level Health if thats the level of service from the get-go.

Coincidentally, I was researching for 3 other family policies, besides my own which were also due for renewal today. BTW looks like all 4 policies are now staying with Laya.
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Had a similar experience - I actually signed up for the quick clinic where u get one complimentary video consult with doctor. I sent a msg at 7.07 am one morning just to see what would happen. Very surprised to be actually speaking to a doctor within 3 mins. Dr issued prescription (2 items). All excellent so far.

Then got to the stage where the app says 'we are processing your prescription - this normally takes less than 1 minute' It took about 23 hours. During the long wait I called LH and couldnt get through. I sent a web msg and nobody replied.

Prescription did actually arrive in pharmacy but only for one item. Turns out (as per Doctor) there is a system restriction that means only one item per consult can be prescribed.. Unclear if this restriction only applies to the free introductory video consult or if this is a general restriction.

LH may be great in 12 months but I suspect they simply don't have the staffing/system capacity currently to deal with several thousand new customers switching over in a short space of time.

I too decided to stay with Laya.
 
1dave123 said:
LH may be great in 12 months but I suspect they simply don't have the staffing/system capacity currently to deal with several thousand new customers switching over in a short space of time.
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That's exactly why I said back in post 58 that I would prefer to let others be the guinea pigs for something as important as health insurance as there will always be teething problems with start ups. Watch this space for Dec/Jan '25 when AFAIK VHI have their busiest time of the year.
 
Another update:

Finally got an email from Level Health today.. Have a read..

“ Since our launch, we’ve received an overwhelmingly positive response from health insurance customers. Unfortunately, this has results in some delays for customers trying to contact us and I am sorry for any inconvenience this has caused you.

An alternative way to get a quote and purchase a policy is by contacting our experienced broker partner, Cornmarket, at 01 4775136 from between 9am and 6pm Monday to Thursday & 9am to 5:30pm Friday. Cornmarket has a dedicated team of health insurance advisors who can advise on all Level Health plans, there will be no extra cost to you and will get the same price and benefits via Cornmarket as you would from Level Health directly”


Still not a great service imho.
 
If you have sent a query to them, you might miss their reply....

Their email "from" reply is from "Douglasdale ltd" then has "case update" as the subject line

As I have never heard of Douglasdale, I assumed it was a spam/scam mail and deleted it without opening it and I assume many others would too.

It's not difficult to have the email "from" name to match the trading name that people recognise, especially as it took 10 days to reply!

Then to give me a reply they request certain information - but I had provided all the information they are asking for in the query, so looks like they didn't actually read the query.

Really doesn't inspire confidence. Might be best to wait until they prove themselves.
 
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I have moved: from Laya Simply Connect to Level Health C. Essentially a 33% cost saving (2k vs 1.4k) per person. Hard to leave that behind.

Agree very difficult to communicate with & hopefully changes as it becomes more established. Can always change again next year depending on how matters progress.

Hospital cover between the 2 plans practically identical which is all that I am interested in. A lot of the other stuff covered in all plans is fluff IMHO & can easily be budgeted for/absorbed if necessary.
 
Steve00 said:
I have moved: from Laya Simply Connect to Level Health C. Essentially a 33% cost saving (2k vs 1.4k) per person. Hard to leave that behind.

Agree very difficult to communicate with & hopefully changes as it becomes more established. Can always change again next year depending on how matters progress.

Hospital cover between the 2 plans practically identical which is all that I am interested in. A lot of the other stuff covered in all plans is fluff IMHO & can easily be budgeted for/absorbed if necessary.
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My elderly mother (80) is on Laya Simply Connect and I’m wondering about a switch to Level Health C plan because the €2k Laya plan is too expensive now after big jump up in cost. I’m nervous about switching her because it’s HER cover and NOT mine and I don’t want to leave her with a far inferior plan. She already has Aviva house & car insurance so probably no further savings to make here.

What you guys think ? Too risky ?
 
Differences that I see are:

'€2,000 orthopaedic co-pay and a €400 ophthalmic co-pay on specified procedures' in Level Health.

Better Outpatients benefits in Simply Connect BUT just €500 of the €7650 allowed for everyday medical expenses.

Check 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 www.hia.ie
 
baj2005 said:
My elderly mother (80) is on Laya Simply Connect and I’m wondering about a switch to Level Health C plan because the €2k Laya plan is too expensive now after big jump up in cost. I’m nervous about switching her because it’s HER cover and NOT mine and I don’t want to leave her with a far inferior plan. She already has Aviva house & car insurance so probably no further savings to make here.

What you guys think ? Too risky ?
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peemac said:
I really hope they improve their customer service. - Lets just say it is "not good".

I've decided to cancel and stay with Laya.
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You really need to decide if your mother will be able to cope with their poor customer service. If she can't will you be willing to do it on her behalf. Making a claim will be stressful enough without the hassle. Hopefully they are just teething problems that they are having and will improve in time.
 
I had another interaction with them today.

They requested I provide them with my address and eircode in order to respond to my query.

My query HAD my address and eircode.

Let's just say I'm very happy I have cancelled.

Their responses still come from "Douglasdale ltd". (Google it - blank website)

FYI - as I was unable to have a different plan on the same account for myself and my wife, I had 2 accounts, hence 2 interactions from two email addresses and two different people responding and both were shockingly poor in their responses and both obviously did not read the body of the email.

Imagine if you had to make a claim!!!!
 
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