Hi Heather1515,
Welcome to AAM,
Unless you have on going health issues/conditions that require treatment or medical attention regularly in hospital, there is no need to have a plan
without an excess. You are over-insured on a plan like 360 Care, when you have excellent health.
A really good alternative option is a plan that has a capped hospital excess, so there is a set limit for all private hospital admissions per year.
The following plan is highly recommended for yourself and your mother, including a private room in any private hospital fully covered, details as follows;
1. Laya Simplicity plan; price 1370 per adult; All public, private(including private room fully covered) + 3 hi-tech hospitals covered, private hospital
excess capped at 100 x 2 max per year for all admissions. Day case excess 50 euro per procedure. There is no excess to pay in any public hospital. Good day to day cover included, the first 100 not allowed.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==
Child Options
Laya have a special offer from 1st Jan 2020, whereby you pay for the first child and the rest of the children are free.
There are 3 plans included in the offer, details as follows;
1. Laya Essential Health 300; price 256 per child(just pay for 1st child and the rest are free, so its 256 for all kids); all public, private and Beacon
hospital covered; private hospital excess capped at 300 x 2 max per year for all admissions, day case excess 125 per procedure. There is no
excess to pay in any public hospital. Limited day to day cover.
2. Laya Essential Connect Family; price 273 per child(all children for 273); all public, private and Beacon hospital covered, private hospital excess
capped at 300 x 1 max per family for all admissions and day case procedures. No excess to pay in any public hospital. Limited day to day cover.
3. Laya Flex 125 Explore; price 374 per child;(all children for 374); all public, private and 3 hi-tech hospitals covered, private excess 125 per
admission and 50 per day case procedure. Limited day to day cover.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
The savings achieved overall will cover a lot of day to day medical expenses.
As your renewal date is February 2020, there may be more price changes before then, to watch out for.
Regards, Snowyb