Health Insurance Health insurance renewal

ckel15

Registered User
Messages
4
Hi,

Just wondering if anyone has a steer on an alternative to my current plan Laya Flexi 500.

Myself and my 7 month old are on this plan which is due for renewal next month.

My husband and two other children are insured with VHI ( his plan is the one plan 500) .

Would I be best insuring all 3 kids together or keep separate policies?

Many thanks for any advise - getting very confused using all the comparison tools!
 
Hi ckel15,

Laya healthcare have a special offer for children, whereby you just pay for the 1st child and the rest of the children are free.
There are 3 plans included in the offer, details as follows;
1. Laya Essential Health 300; price 256pa( pay for 1 child and the rest go free); all public, private and Beacon hospital covered. Private excess
capped at 300 x 2 max per person per year for all private hospital admissions. Day case excess 125 per procedure. There is no excess to pay in any public
hospital.

2. Laya Essential Connect Family; price 274pa(pay for 1 child and the rest go free); all public, private and Beacon hospital covered. Private excess
capped at 300 x 1 max per 'family' per year for all admissions. Day case excess capped at 300 x 1 max per year for all day case procedures for the
3 children.

3. Laya Flex 125 Explore; price 375pa(pay for 1 child and the rest go free); all public, private and 3 hi-tech hospitals covered; private or hi-tech
excess 125 per admission and day case excess 50 per procedure. No excess to pay in any public hospital.

https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

It is more beneficial to have all 3 children on the same plan, to avail of the Laya's special offer.
At least one adult must also be on any Laya plan, to avail of the childrens offer.
Your husband can stay with VHI One Plan 500 if it suits.

Adult Options
The following Laya plan is worth considering;
1. Laya Signify Plan; price 939pa; all public and private hospitals covered, private excess capped at 250 x 2 max per year for all admissions.
Day case excess 125 per procedure.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

Alternative cheaper options with Laya are the Precision range of plans but there is a restricted list of private hospitals on these plans.
The Dublin hospitals covered are The Hernitage Lucan, Santry Sports Clinic and Beacon hospital Sandyford. You would need to check out
this list of hospitals to ensure some suit your location. The Precision 600 Create and Precision 600 Total both have day to day cover included.
Precision 300 Connect and Precision 600 Connect just have public and selected private hospitals covered.
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=

Regards, Snowyb
 
Thank you so much for taking the time to give such a detailed response, much appreciated
 
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