Laya LAYA Flex 500 Explore

card789

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(Currently) fit and healthy 40 year old in Cork. Not concerned with day to day expenses and happy with high excess, just want to ensure access to widest range of public and private hosptitals.
Thinking of sticking with the above ( that said online price is 777.77 compared to price in my renewal of 933 but will tackle that with them directly)
Any alternatives and flaws in my thinking
 
Hi card789,

Hi card789.

With a high excess plan, the best option is to choose a plan with a capped excess for all admissions.
This means that there is a limit to the cost of admissions per year, regardless of how many.
The following 3 plans are worth considering, details as follows;

1. VHI One Plan 500; price 759pa; all public and private hospitals + some Beacon hospital covered, private excess capped at 500 x 2 max per year for all private admissions. Day case excess 150 per procedure. Limited day to day cover.
2. VHI One Plan 250; price 896pa; all public and private hospitals + some Beacon hospital covered; private excess capped at 250 x 2 max per year for all private admissions. Day case excess 150 per procedure. Limited day to day cover.
3. Irish Life Benefit Plan; price 965pa; all public, private and some Beacon hospital covered; private excess capped at 200 x 2 max per year for
all private admissions. Day case excess 125 per procedure. Limited day to day cover.

https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=

Regards, Snowyb
 
thanks so much for such a detailed reply, much appreciated.
Hopefully may be able to return favour at some stage
Card789
 
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