Hi Healthinsurance,
There are a couple of options worth considering for yourself, one basic level and one that ticks all boxes. Details as follows;
1. VHI PublicPlus Care Day to Day plan; price 509per adult; all public hospitals only covered on this plan - semi-private room. 3 consultant visits x 60
per visit, 3 x gp visits 20 per visit, etc.
2. VHI PMI 45 10 plan; price 1288(price from 1st Jan 2020) all public, private and 3 hi-tech hospitals covered, private/ hi-tech hospital excess 250 per
admission, day case excess 50 per procedure. There is no excess to pay in any public hospital. The good news is that there is excellent day to day
refunds on this plan, 75% refund for unlimited consultant visits, 75% refund for unlimited gp visits, prescription costs 25 per year, and a list of other
medical expenses refunds etc.
NOTE: There is no waiting time attached for upgrading day to day expenses, allowable from date of switching.
You would have a 2 year wait for private hospital treatment/surgery just for your pre-existing auto-immune condition.
This illness would still be covered in public hospitals as per your current plan, no change there.
Any new illnesses/conditions arising after switching would be covered for the extra cover in private + hi-tech hospitals, no waiting.
Based on the information you gave, consultant costs 320 x 6 = 1920 per year. Refund available 75% of 1920 = 1440 per year.
Plus any other refunds you might have for gp, dental etc.
Compared to option 1 above with 3 x 60 = 180 refund, but also paying 1920 for 12 visits per year, you would gain overall by 480 per year approx.
It may be outside your budget, but keep in mind that the refunds are made on an instant basis, that means you submit your receipts straight away
via the app on a 2 monthly basis or whenever they arise. The refund is paid directly into your bank a/c.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
https://www.vhi.ie/pdf/myvhi/TOBPPC D2D V2 Oct19.pdf
https://www.vhi.ie/pdf/myvhi/TOBPMI 4510 V6 Nov19.pdf
Husband Options
The following link shows 3 options for your husband to consider with VHI. One basic plan (option 1 above), and 2 options including both public and
private hospitals.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Hope this helps with your decisions.
Snowyb