Health Insurance Health insurance choice, need advice

MrsBeechRyan

Registered User
Messages
15
Hi ,
we are a family of five, husband 52 , wife 50, children 19, 18 & 14.
No health issues.
Mom on VHI plan PMI 3713
Dad Laya Essential connect family
Kids One Plan family
Renewal due mid Feb.

Would you suggest alternative policies or health insurance provider?
Regards
Casper3
 
Hi Casper3,

Firstly, VHI are most competitive on price for young adults and children and it means VHI Swiftcare Clinics are included.

Secondly, for approx 3560 euro, the whole family can include extra cover for day to day medical cover, with refunds of 50% for gp, consultants,
25 x 7 for dental, optical 100 etc.

Thirdly, for approx 3269 euro, the whole family can be covered for hospital cover(including 3 hi-tech Dublin hospitals, Beacon, Mater Private and
Blackrock Clinic). This can be reduced by 100 if hi-tech is not required for the children. You can also mix and match, with variations on cover for
each person according to their medical needs etc.

Young adults 18 and 19 year old options;
1. VHI One Plan 150; price 344pa; all public and private hospitals covered, private excess capped at 150 x 2 max per year for all admissions,
and 150 per day case procedure. Limited day to day cover.
2. VHI Company Plan Extra Select; price 375pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 100 per admission
and per day case procedure. Limited day to day cover.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

3. VHI Company Plan Plus Level 1.3; price 401pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission
and 50 per day case procedure. Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultants, 25 x 7 for dental, optical 100
etc.
4. VHI 07 10; price 418pa; all public, private and 3 hi-tech hospitals covered, private or hi-tech excess capped at 150 x 1 max per year for all
admissions, day case excess 50 per procedure. Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultants,
25 x 7 for dental, optical 120 etc. (note; whitfield private waterford and kingsbridge private sligo not covered)
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

14 year old Child Options
1. VHI One Plan 150; child price 197pa; all public and private hospitals covered, private excess capped at 150 x 2 max per year for all admissions,
and 150 per day case procedure. Limited day to day cover.
2. VHI One + Plan; child price 225pa; all public, private and 3 hi-tech hospitals covered, private or hi-tech excess 125 per admission and 125 per
day case procedure. Limited day to day cover.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

3. VHI Company Plan Plus Level 1.3; child price 300pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission
and 50 per day case procedure. Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultants, 25 x 7 for dental, optical 100
etc.
4. VHI 07 10; child price 418pa; all public, private and 3 hi-tech hospitals covered, private or hi-tech excess capped at 150 x 1 max per year for all
admissions, day case excess 50 per procedure. Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultants,
25 x 7 for dental, optical 120 etc. (note; whitfield private waterford and kingsbridge private sligo not covered)
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

Adult Options
1. VHI PMI 37 13; price 1147pa; all public, private and 3 hi-tech hospitals covered, private or hi-tech excess 100 per admission and 100 per day
case procedure. Limited day to day cover.
2. VHI Company Plan Plus Level 1.3; price 1193pa; all public, private and 3 hi-tech hospitals covered, private or hi-tech excess 150 per admission and 50 per day case procedure. Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultants, 25 x 7 for dental,
optical 100 etc.
3. VHI PMI 07 10; price 1240pa; all public, private and 3 hi-tech hospitals covered, private or hi-tech excess capped at 150 x 1 max per year
for all admissions, day case excess 50 per procedure. Good day to day cover included, 1 euro excess, 50% refund for gp visits, consultants,
25 x 7 for dental, optical 120 etc. (note; whitfield private waterford and kingsbridge private sligo not covered)
4. Laya Simply Connect; price 1230pa; all public, private and 3 hi-tech hospitals covered, private or hi-tech excess capped at 150 x 2 max per year
for all admissions, day case excess 50 per procedure. Good day to day cover included, 50% refund for gp visits, consultants, dental, optical, physio,
etc.
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=

For the 2 adults, you can both choose a Laya or VHI plans or one of each according to your preference.
The child and 2 young adults can be with VHI on their own, without an adult.

Just for the adults, VHI impose a 6 month waiting time if you upgrade just day to day cover(gp, etc) for people aged 50+.
So if you choose a VHI plan with good day to day cover, this will apply to both of you.
You don't lose cover while waiting, your current day to day cover would still apply while waiting.
Laya have NO waiting for extra upgraded day to day cover, regardless of your age, extra cover applies from renewal date.
For both companies, you can claim day to day refunds as they arise on a weekly, monthly basis through their apps.

Also, no excess applies to any public hospital. The hospital excess only applies if using a private or hi-tech hospital.

Regards, Snowyb
 
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