The Teachers plan you are on at the moment has no hospital excess which is a good option especially if you have a chronic illness.
This type of plan is usually a bit more expensive, but there is a cheaper alternative with VHI.
Details as follows;
One Plan Extra; price 1530pa; same hospital cover as before, no hospital excess.
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One Plan Extra is the cheapest plan on the market with no excess to pay for private admissions or day case.
You can factor in your discount based on the basic price above.
Snowyb