speedbird1,
An identical alternative plan with VHI is called 'Healthplus Access' (old Plan B) price from 1st November 2016 is 2045 per person.
Hospital cover is the same as Health Plus Extra, so straight savings of 900 euro overall.
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If you don't mind switching to another provider, Laya Healthcare have a very good option worth considering as follows;
Laya Simplicity plan; price 1087 per adult. There is extra hospital cover including cover for a private room in a private hospital on this plan.
This would be useful as the 2 hospitals you both attend come under this heading. There is also good day to day benefits with this plan,
50% refund for consultant visits, physiotherapy, gp, etc. There is no waiting time applied for this extra day to day cover with Laya, regardless
of your age.
There is an excess payable only on admission for a stay in a private hospital - 100 x 2 max per year.
Day case excess is 50 euro per visit, note this excess would be payable for each cystoscopy. 4 x 50 = 200.
This would still be cost effective because of the overall savings achievable with this plan, 2600 per year.
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Regards, Snowyb