Health Insurance New Health Insurance provider launches

Armada said:
Just had another look and Simply Connect Plus is attractive too. I especially like the 50% refund of dental fees.
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This sentence jumped out at me while reading up as must renew this week. Anyway I had SCP this year and was very disappointed with the dental bit, I had an expensive appointment earlier this year, they only cover something towards cleaning I think under routine and emergency.

Anyway I had to go to a dentist with a toothache, long story short, they referred me for a root canal to a different dentist for that, after the consultation it was agreed to monitor for 6mths before deciding. It cost me €150 for the appointment but Laya said none of that was covered under SCP as basically they didn't consider it routine and it wasn't emergency either.
 
messyleo said:
Just thinking though - where else would you be getting an xray done potentially (that it's not covered)?
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That's all X-rays wherever they're done. The Beacon, for example, charge €130 of which Laya refund half.

As far as scans are concerned, I had a CT done privately in my local hospital much faster than the nearest approved centre would have done it. Laya refunded half of the €280. I confirmed today that plan D would pay only €20.
 
mct1 said:
That's all X-rays wherever they're done. The Beacon, for example, charge €130 of which Laya refund half.

As far as scans are concerned, I had a CT done privately in my local hospital much faster than the nearest approved centre would have done it. Laya refunded half of the €280. I confirmed today that plan D would pay only €20.
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But would that not be often done either as an in-patient (and covered under in patient cover) or in beacon A&E (and covered under emergency dept in private hospitals cover)

CT scans are covered in full - direct pay - with level health Plan D in lots of places including Blackrock, Bons, Mater, Vincents private. That would cover a lot of people.
 
messyleo said:
But would that not be often done either as an in-patient (and covered under in patient cover) or in beacon A&E (and covered under emergency dept in private hospitals cover)

CT scans are covered in full - direct pay - with level health Plan D in lots of places including Blackrock, Bons, Mater, Vincents private. That would cover a lot of people.
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All the scans that I've ever had have been as a non emergency outpatient. Actually, on reflection, about half of them were via the public system where no insurance was needed at all...
 
Monbretia said:
This sentence jumped out at me while reading up as must renew this week. Anyway I had SCP this year and was very disappointed with the dental bit, I had an expensive appointment earlier this year, they only cover something towards cleaning I think under routine and emergency.

Anyway I had to go to a dentist with a toothache, long story short, they referred me for a root canal to a different dentist for that, after the consultation it was agreed to monitor for 6mths before deciding. It cost me €150 for the appointment but Laya said none of that was covered under SCP as basically they didn't consider it routine and it wasn't emergency either.
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There seems to be always something in the fine print somewhere that covers them not paying out. Thought it sounded too good to be true.
 
Monbretia said:
This sentence jumped out at me while reading up as must renew this week. Anyway I had SCP this year and was very disappointed with the dental bit, I had an expensive appointment earlier this year, they only cover something towards cleaning I think under routine and emergency.

Anyway I had to go to a dentist with a toothache, long story short, they referred me for a root canal to a different dentist for that, after the consultation it was agreed to monitor for 6mths before deciding. It cost me €150 for the appointment but Laya said none of that was covered under SCP as basically they didn't consider it routine and it wasn't emergency either.
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What's SCP ?
 
I see for orthopaedic procedures there's a €2,000 "co-payment". It's in their PDF "Specified Procedures list", so it's the same for all policies it seems.

That's pretty much a showstopper for me - I had a hip relacement this year and my Laya policy covered all of it.

Am I missing something here? I'm calling them now to clarify, and am in a queue for about 30 minues, still waiting.
 
Levelhealth Plan D has full cover for the specified orthopaedic procedures. The other plans, A to C, have a €2000 co-payment. It's in the tables of cover.
 
Thanks for that mct1, I missed that.

But Levelhealth Plan D is the most expensive, and way beyond what I'm paying now with Laya. So that's a definite minus point for me.

Currently I'm at about €1,000 p.a. with Laya, going up to €1,200 now. But Plan D would cost me at least €2,200.

Now I don't expect too many orthopaedic procedures, but it's something to take into account anyway when deciding.
 
scallywag said:
Thanks for that mct1, I missed that.

But Levelhealth Plan D is the most expensive, and way beyond what I'm paying now with Laya. So that's a definite minus point for me.

Currently I'm at about €1,000 p.a. with Laya, going up to €1,200 now. But Plan D would cost me at least €2,200.

Now I don't expect too many orthopaedic procedures, but it's something to take into account anyway when deciding.
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you must be on a fairly basic plan with Laya if its costing €1,000 currently; probably more comparable to Level Health's Plan A or B offering
 
GAAmam said:
you must be on a fairly basic plan with Laya if its costing €1,000 currently; probably more comparable to Level Health's Plan A or B offering
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And I doubt your laya plan has full cover in blackrock / mater private / hermitage etc so depends where you might be having the procedure also
 
scallywag said:
I see for orthopaedic procedures there's a €2,000 "co-payment". It's in their PDF "Specified Procedures list", so it's the same for all policies it seems.

That's pretty much a showstopper for me - I had a hip relacement this year and my Laya policy covered all of it.

Am I missing something here? I'm calling them now to clarify, and am in a queue for about 30 minues, still waiting.
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What policy do you have with Laya for 1k that covers orthopaedic 100 % ?
 
Reminder - their 10% introductory discount ends today.

I've taken a policy from 31st Dec rather than 1st January as they only allow for 30 days in advance
 
Armada said:
Has anyone managed to actually speak to any of the team in Level Health by phone or received a call-back or had an online message answered?
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Update: A few weeks on and I still never actually managed to speak to anyone in Level Health. I even stayed on hold once for 2 hours. No replies or follow-up to any of my messages. I finally gave up and renewed with Laya. I understand they are very busy but to be fair to Laya a call-back always came within 2 hours (or less). Not so sure I want to move forward with Level Health if thats the level of service from the get-go.

Coincidentally, I was researching for 3 other family policies, besides my own which were also due for renewal today. BTW looks like all 4 policies are now staying with Laya.
 
Armada said:
Update: A few weeks on and I still never actually managed to speak to anyone in Level Health. I even stayed on hold once for 2 hours. No replies or follow-up to any of my messages. I finally gave up and renewed with Laya. I understand they are very busy but to be fair to Laya a call-back always came within 2 hours (or less). Not so sure I want to move forward with Level Health if thats the level of service from the get-go.

Coincidentally, I was researching for 3 other family policies, besides my own which were also due for renewal today. BTW looks like all 4 policies are now staying with Laya.
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Had a similar experience - I actually signed up for the quick clinic where u get one complimentary video consult with doctor. I sent a msg at 7.07 am one morning just to see what would happen. Very surprised to be actually speaking to a doctor within 3 mins. Dr issued prescription (2 items). All excellent so far.

Then got to the stage where the app says 'we are processing your prescription - this normally takes less than 1 minute' It took about 23 hours. During the long wait I called LH and couldnt get through. I sent a web msg and nobody replied.

Prescription did actually arrive in pharmacy but only for one item. Turns out (as per Doctor) there is a system restriction that means only one item per consult can be prescribed.. Unclear if this restriction only applies to the free introductory video consult or if this is a general restriction.

LH may be great in 12 months but I suspect they simply don't have the staffing/system capacity currently to deal with several thousand new customers switching over in a short space of time.

I too decided to stay with Laya.
 
1dave123 said:
LH may be great in 12 months but I suspect they simply don't have the staffing/system capacity currently to deal with several thousand new customers switching over in a short space of time.
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That's exactly why I said back in post 58 that I would prefer to let others be the guinea pigs for something as important as health insurance as there will always be teething problems with start ups. Watch this space for Dec/Jan '25 when AFAIK VHI have their busiest time of the year.
 
Another update:

Finally got an email from Level Health today.. Have a read..

“ Since our launch, we’ve received an overwhelmingly positive response from health insurance customers. Unfortunately, this has results in some delays for customers trying to contact us and I am sorry for any inconvenience this has caused you.

An alternative way to get a quote and purchase a policy is by contacting our experienced broker partner, Cornmarket, at 01 4775136 from between 9am and 6pm Monday to Thursday & 9am to 5:30pm Friday. Cornmarket has a dedicated team of health insurance advisors who can advise on all Level Health plans, there will be no extra cost to you and will get the same price and benefits via Cornmarket as you would from Level Health directly”


Still not a great service imho.
 
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