Hi frentlygamer,
Welcome to AAM.
The following 4 plans cover all public and private hospitals, so thats a good starting point.
Also they each have a capped private hospital excess, this means there is a max excess per year for all admissions to all private hospitals.
For example, Benefit plan 200 x2 , One Plan 250 capped at 250 x 2, Signify 250 x 2 and One Plan 500 capped at 2 x 500.
Day case excess are 150 or 125 per procedure only in private hospitals.
There is no excess payment in any public hospital. but the waiting lists for surgery are long.
There is very limited day to day cover for gp, dental etc so if required, you could add on a seperate day to day policy.
Plan details in the following link;
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzEyOTksMTI5MiwxMzM3LDE2NjJdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
If a day to day medical expenses add-on policy is required, even just for your wife, details as follows;
Note, prescriptions are NOT covered, refunds are approx 50% of the gp costs, etc. It may not be cost effective overall. Laya don't have one.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MiwicGxhbnNTZWxlY3RlZCI6WzM0NCw2NjJdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
The following plans also include day to day cover. If just for comparison purposes, both pricewise and coverwise. They include cover for the
3 hi-tech hospitals all located in Dublin, which would not suit your location. Mater Private Cork is covered on the above 4 options.
Plan details as follows;
https://www.hia.ie/comparison-tool/...wbGljYXRpb24iOnsicGxhbl9kZXRhaWxfaWQiOi0xfX1d
You don't have to choose the same plan, you can choose according to your needs or to make savings and
you can both be with different health providers if it suits.
Hope this helps with your decision.
Snowyb