VHI VHI Health Plus extra

burren73

Registered User
Messages
3
My parents are on this plan for years and €4600, due to go up to €5000.

what are better options for them.
Both in 70s, Both have medical cards.
 
burren73,

Welcome to AAM. Quick question, when is their renewal date?

Snowyb
 
burren73,

The nearest equivalent alternative plan to VHI HealthPlus Extra is VHI HealthPlus Access(old plan B). Details as follows;

1. VHI HealthPlus Access; price 2099pa; all public, private and 3 hi-tech hospitals covered as before. No inpatient excess to pay on this plan, same as
before. Day to day cover included, very slight differences, consultant refund 70 vs 60 etc. Full cover for hip and knee replacement surgery in private
hospitals on both plans.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

If they don't mind paying a small excess amount if admitted to private or hi-tech hospitals, the following 2 plans are worth considering. Hospital cover
is the same, just with a once off payment if admitted for a stay or a day case procedure. There is NO excess to pay in any public hospital on any plan.
Details as follows;

2. VHI Health Excess; price 1879pa; all public, private and 3 hi-tech hospitals covered as before. Inpatient excess 75 per admission for a stay and
day case excess 75 per day case procedure. Similar enough day to day cover. Full cover for hip and knee replacement surgery in private and hi-tech
hospitals.

3. VHI Health Access; price 1756pa; same hospital cover as Option 2 Health Excess, only difference is the inpatient excess is 125 per admission
and 125 per day case procedure.

https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

If switching to another provider is an option, the following Laya plans are worth considering, with substantial savings to be made overall.
Details as follows;

4. Laya Simplicity plan; price 1267pa; all public, private(including private room fully covered) and 3 hi-tech hospitals covered, private/hi-tech
hospital inpatient excess capped at 100 x 2 per year max for all admissions. Day case excess 50 per procedure. Day to day similar to the VHI plans,
50% refund for consultants,gp, physio, etc but with 100 excess. Full cover for hip and knee replacement surgery in private and hi-tech hospitals.

5. Laya Simply Connect Plus plan; price 1286pa; all public, private and 3 hi-tech hospitals covered, private/ hi-tech hospital inpatient excess capped
at 150 x 2 max for all admissions per year, day case excess 50 per procedure. Good day to day cover included, 1 euro excess, 50% refund for
consultants, gp, physio, dental etc upto a total refund of 1000 per year.(50% of 2000 = 1000).

https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

Plenty of savings to be made, without losing hospital cover. There are no waiting times involved as hospital cover is similar as before.

Regards, Snowyb
 
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