Pugmister,
Firstly, for yourself and your sister an alternative plan with Laya is as follows;
1. 'Flex 375 Explore' price 822pa; public, private and hi-tech cover included, which is similar to your current plan but the excess payable
for each admission to a private/hi-tech hospital is 375. Day case excess is 125 per visit. There is no excess payable in any public hospital.
The higher excess amount of 375 may or may not justify the price reduction in premium overall.
2. Glohealth Bloom Plus; price 887pa( price increase from 1/12/2016) public, private and Beacon hospital cover, max excess 300 x 2 per year,
day case excess 75 per visit. Note; there is no cover for Blackrock Clinic or Mater Private on this plan, something to be aware of when choosing.
3. Glohealth Kick Off Plus; price 866pa( price increase from 1/12/2016) public, private and Beacon hospital cover, excess 300 for every admission
to a private or Beacon hospital, day case excess 75 per visit. Again, no cover for Blackrock Clinic or Mater Private on this plan.
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For your father, Simplicity plan would be a very good alternative option. For your mother, according to the membership booklet for Total Health Select, this plan also covers 100 days 'per calendar year' in a psychiatric hospital. I would contact Laya about this to confirm if there is any difference between these two plans regarding inpatient psychiatric cover in detail.
Depending on this clarification, Simplicity plan may be an option also for your mother.
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Snowyb