Health Insurance New Health Insurance provider launches

In terms of reductions, you can already get car insurance reduction when you have several policies in the same household, same for the home insurance. There is also access to a free travel insurance policy with these.
 
messyleo said:
Plan D seems way too cheap compared to the other insurers high end plans - I am looking for the catch!
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My Simply Connect Plus policy is up for renewal at the end of this month. Plan D will cost €120 more, has a €125 outpatient excess, and appears to cover only €20 of the cost of an xray. But there are no excesses on hospital stays or day case treatment, a higher day to day/outpatient limit, plus possible saving on house insurance.

I will have to sit down and compare the two carefully, using the past year's claims as a reference point. I'd already ruled out Simplicity as not saving me any money.

However, my husband is on Laya Inspire Plus - renewal quote €1633 - and unless I'm mistaken Levelhealth Plan C will be a no brainer for him.
 
mct1 said:
My Simply Connect Plus policy is up for renewal at the end of this month. Plan D will cost €120 more, has a €125 outpatient excess, and appears to cover only €20 of the cost of an xray. But there are no excesses on hospital stays or day case treatment, a higher day to day/outpatient limit, plus possible saving on house insurance.

I will have to sit down and compare the two carefully, using the past year's claims as a reference point. I'd already ruled out Simplicity as not saving me any money.

However, my husband is on Laya Inspire Plus - renewal quote €1633 - and unless I'm mistaken Levelhealth Plan C will be a no brainer for him.
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Me and my husband are on Laya Inspire Plus. Haven't got renewal premium yet but will be switching to Plan C too.
 
For me, the premium is roughly the same but the cover is better, particular the day to day which I use a fair bit.

The car discount probably won't apply because I'm on their 'minimum' premium. The house 50% would be a fair saving at renewal - that insurance line must be very profitable or else my premium will go up substantially at renewal so they'll be adding it on to discount it off. I have an annual multi-trip travel policy already that has cover up to 4,000m hiking with a different provider but I can't see that the 'free' policy has that type of cover which I regularly use.

Looks like they're in the market to complete and build up a base but I can't see them not increasing the policies with the day-to-day in the not too distant future.
 
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If you're having a hard time comparing plans, I've found that giving ChatGPT a link to all of the plans and asking it to compare is really useful. Its given me a perfect breakdown comparison
 
Adding Everday Expenses adds €190 approx, per adult, for Plans B & C, its unavailable on Plan A, and non optionally included on Plan D.

If you are not a regular visitor to the doctor, most people would probably choose not to pay in advance, for something they may never use, bar perhaps annual checkups.
 
fayf said:
Adding Everday Expenses adds €190 approx, per adult, for Plans B & C, its unavailable on Plan A, and non optionally included on Plan D.

If you are not a regular visitor to the doctor, most people would probably choose not to pay in advance, for something they may never use, bar perhaps annual checkups.
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To be fair, the day to day option covers more that just GP visits.
 
ClubMan said:
To be fair, the day to day option covers more that just GP visits.
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Thats very true, albeit, the single most used “everyday” item, tbf adding the Everyday Option, does include a €100 p.a. for health screening as well.
 
The physio visits are useful too - any kind of injury typically needs 2-3 sessions at least so it would quickly almost cover it.
it's a hard call though unless you definitely know you will have multiple GP and/or a consultant visit in a year.

Some people will have at least a annual check up with a consultant for something so it's a no brainer to go for the add on then imo
 
Has anyone managed to actually speak to any of the team in Level Health by phone or received a callback or had an online message answered?
 
I had a callback this afternoon - I had a few queries about Plan D cover which were answered pretty comprehensively by a very helpful person.

One thing she confirmed for me was that all XRays, and any scans not done in an approved centre, only qualify for a €20 refund. I've done my sums now and Simply Connect Plus comes out marginally ahead for my usage. This is due to Level Health's higher plan cost, €125 excess on outpatient cover, and lower radiology fees.

I was tempted but I don't think I'll be moving this year.
 
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Looking at Plan C and D; I think the Day-to-Day benefits aren't great at all. I am on Excel Care with Laya and Day-to-Day is a good bit better.
 
Just had another look and Simply Connect Plus is attractive too. I especially like the 50% refund of dental fees.
Its an absolute minefield and its more about value than price.
mct1 said:
I had a callback this afternoon - I had a few queries about Plan D cover which were answered pretty comprehensively by a very helpful person.

One thing she confirmed for me was that all XRays, and any scans not done in an approved centre, only qualify for a €20 refund. I've done my sums now and Simply Connect Plus comes out marginally ahead for my usage. This is due to Level Health's higher plan cost, €125 excess on outpatient cover, and lower radiology fees.

I was tempted but I don't think I'll be moving this year.
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mct1 said:
One thing she confirmed for me was that all XRays, and any scans not done in an approved centre, only qualify for a €20 refund
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That certainly does not sound great.

mct1 said:
I was tempted but I don't think I'll be moving this year.
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With something as important as health insurance I would prefer to let others be the guinea pigs and revisit the situation at next renewal.
 
GAAmam said:
Looking at Plan C and D; I think the Day-to-Day benefits aren't great at all. I am on Excel Care with Laya and Day-to-Day is a good bit better.
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I agree - I think this is where the plans are lighter.
For me, a lot of health insurance is about covering the big things i would never be able to afford - large operations, major accidents a new chronic serious condition, cancer drugs etc. so I don't mind losing out on day to day cash back for cheaper premium, but for those with regular consultant visits etc coverage is not great at all - even on Plan D
 
mct1 said:
I had a callback this afternoon - I had a few queries about Plan D cover which were answered pretty comprehensively by a very helpful person.

One thing she confirmed for me was that all XRays, and any scans not done in an approved centre, only qualify for a €20 refund. I've done my sums now and Simply Connect Plus comes out marginally ahead for my usage. This is due to Level Health's higher plan cost, €125 excess on outpatient cover, and lower radiology fees.

I was tempted but I don't think I'll be moving this year.
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Just thinking though - where else would you be getting an xray done potentially (that it's not covered)?
 
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