ImARebel,
You would need to clarify with your company regarding the terms of your husbands policy - if he can switch plan and still retain the waiver for
waiting times. If this is possible, there are a few alternative options worth considering as follows;
1. PMI 44 16; Price 1050 + LCR rating; all public, private and hi-tech hospitals covered. Excess 150 per admission or day case. Limited day to day.
2. PMI 43 16; Price 1136 + LCR rating; all public, private and hi-tech hospitals covered. Excess 150 per admission, 50 per day case. Good day to
day cover included.
3. One Plan 150; Price 990 + LCR rating; all public, private and Beacon hospital covered, excess 150. Limited day to day cover.
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Alternative cheaper options for yourself, as follows;
1. PMI 41 15; price 1356pa; all public, private and hi-tech hospitals covered, excess 75 per admission, 50 per day case. Good day to day cover included.
2. PMI 35 13; price 1303pa; all public, private and hi-tech hospitals covered, excess 100 per admission or day case. Good day to day cover
included.
3. PMI 43 16; price 1136pa; all public, private and hi-tech hospitals covered, excess 150 per admission, 50 per day case. Good day to day cover.
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I would recommend switching the 2 children onto VHI half price offers at the moment to maximise savings;
1. One + Plan; price 145pa; public, private and hi-tech hospital cover, excess 125 per admission or day case, limited day to day.
2. One Plan Complete; price 164pa; public, private and hi-tech hospital cover, no excess, limited day to day.
Savings achieved will cover any medical expenses.
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Regards, Snowyb