Health Insurance Laya Inspire Plus
- Thread starter Roro999
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Laya Inspire is cheaper and almost the same cover as Inspire Plus. In fact, other than a couple of higher overnight in-patient excess charges it's virtually the same policy. You can compare them side by side on the Laya website.
Or you could look at Level Health Plan C - not sure how that compares but it's in the same ballpark.
Or you could look at Level Health Plan C - not sure how that compares but it's in the same ballpark.
SNOWYB.Please, please come out of retirement.We are more confused than ever.! I am male aged 77 single.Im in average health,parents lived to mid eighties.Flex 500 Explore due for renewal tomorrow.
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november16
Registered User
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SnowyB was excellent probably has done his time though
Remember you have 14 days cooling off period from the start of renewal, so no rush.
I moved from flex 500 to Prosper.
Not a big difference in benefits
Interesting.
Yes there sure are differences on the bigger excesses and I note that the overall limit on day-to-day is €7,650 on the Inspire Plus and €3,200 on the PMI1011.
Can anyone here explain this rule with Laya as I can't quite get my head around it:
Inspire Plus day-to-day expenses
This is the maximum amount you can claim on your policy for out-patient benefits per year
€7,650; the maximum refund is €1,000 per member for everyday medical expenses.
I've seen this restriction mentioned a few times with Laya so just wondering what exactly does that mean? Even though the overall allowance is €7,650 per policy or plan for day-to-day, each individual on that plan can only claim €1,000 each which seems very strange
charlie007
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My understanding is the Outpatient cover of €7650 is for all non overnight stay surgeries, scans, consultants appointments etc.
In the above policy the maximum of that €7650 that can be claimed for day to day expenses is €1000.
In Simplicity eg the full €7650 can be claimed as long as the patient has no other outpatient claims.
In the above policy the maximum of that €7650 that can be claimed for day to day expenses is €1000.
In Simplicity eg the full €7650 can be claimed as long as the patient has no other outpatient claims.
In a recent podcast Dermot Goode recommended looking at Laya SimplyHealth Extra as an alternative to Inspire Plus. At €1577.67 It's cheaper and in most areas has the same or slightly lower excesses. Also there's no limit on Day to Day, just the €7650 O/P limit.
So we decided to change my husband's policy over to SimplyHealth Extra from Inspire Plus. We were tempted by Levelhealth Plan C but their poor start up customer service put us off. Happy with the change we made.
So we decided to change my husband's policy over to SimplyHealth Extra from Inspire Plus. We were tempted by Levelhealth Plan C but their poor start up customer service put us off. Happy with the change we made.
That's not a particularly cheap policy @ €1,632.94 so very poor cover if max that can be claimed on day-to-day is €1,000. Does anyone know if VHI have something similar?
VHI PM 4316 worth a look imo
As a relative has that plan I had a look at it last year as it seemed good value. Guy in VHI mentioned that you need to be careful about the cover for Galway Clinic and Hermitage and this is what is shown on HIA. It does appear to apply to Special Procedures though but worth checking it out with VHI to be on the safe side.
Private Hospital Semi-Private Room
Covered with €150 Excess per claim except 90% cover for Special Procedures in Galway Clinic and Hermitage with €150 Excess per claim; 80% cover for certain orthopaedic and ophthalmic procedures
Private Hospital Private Room
Semi-private rate with €150 Excess per claim, except 90% of semi-private rate for Special Procedures in Galway Clinic and Hermitage with €150 Excess per claim; 80% cover for certain orthopaedic and ophthalmic procedures
Can I ask, for a relatively healthy 57 year old person, is it necessary to have access to the Dublin clinics - Blackrock, Mater?
I am in Galway, and if hte policy covers the Bons and the Galway clinic, I think that I am okay, is this a reasonable approach?
D
I am in Galway, and if hte policy covers the Bons and the Galway clinic, I think that I am okay, is this a reasonable approach?
D
Hi trident,
The two hospitals that you mention in Dublin, Blackrock and presumably Mater Private, are the especially dearer hospitals because for example Blackrock has all private rooms and no semi-private.
To ensure that you are covered for your local hospitals it would be best to discuss this with your insurer.
The two hospitals that you mention in Dublin, Blackrock and presumably Mater Private, are the especially dearer hospitals because for example Blackrock has all private rooms and no semi-private.
To ensure that you are covered for your local hospitals it would be best to discuss this with your insurer.