Hi phoenix53,
Firstly, for the 18 year old, VHI are most competitive on price. The following options are worth considering;
18 year old options;
1. 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,
day case excess 50 per procedure. Good day to day cover included, refund of 50% for gp visits, consultants, dental etc.
2. VHI PMI 07 10; price 418pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess capped at 150 x 1 max per year for
all admissions. Good day to day cover included, refund of 50% for gp visits, consultants, dental etc.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Adult Options
The following 2 Laya options are worth considering. Details as follows;
1. Laya Simply Connect; price 1230pa; all public, private and 3 hi-tech hospitals covered, private/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, 1 euro excess, refund of 50% for gp, consultants, dental,
physio etc - up to a max refund of 500 per year.(50% of 1000 = 500).
2. Laya Simply Connect Plus; price 1330pa; all public, private and 3 hi-tech hospitals covered, private/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, refund of 50% for gp, consultants,
dental, physio etc - upto a max refund of 1000 per year(50% of 2000 = 1000).
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
The following 2 Laya plans fully cover a private room in a private hospital, worth considering, details as follows;
3. Laya Simplicity plan; price 1370pa; all public, private(including private room fully covered) + 3 hi-tech hospitals covered, private excess
capped at 100 x 2 max per year for all admissions, day case excess 50 per procedure. Good day to day cover included, refund of 50% for
gp visits, consultants, physio, dental etc, upto 7650 max per year but the first 100 not allowed.
4. Laya Connect Simplicity; price 1367pa; all public, private(including private room fully covered) + 3 hi-tech hospitals covered, private excess
capped at 150 x 2 per year for all admissions, day case excess 100 per procedure. Good day to day cover included, 1 euro excess, refund of
50% for gp visits, consultants, physio, dental etc upto a max refund of 1000 per year. If you don't use up the full day to day allowance of 1000 per year
you can transfer the unused amount over to your husband/wife/partner, if they are also on this plan.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Regards, Snowyb