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Health insurance renewal time....?

  • 21-04-2018 8:09am
    #1
    FakePie
    Registered Users, Registered Users 2 Posts: 176 ✭✭


    Last year made a significant saving, whilst increasing cover comprehensiveness - via research and changing policies.

    So - getting close to renewal time.

    I was initially on VHI One plan.
    Changed to Essential Health by Laya.

    This year - what are your picks?


Comments

  • #2
    FakePie
    Registered Users, Registered Users 2 Posts: 176 ✭✭FakePie


    Two possibilities that jumped out at me were,

    VHI One Plan access
    and VHI One Plan access plus
    hia - compared

    Anyone looking at these plans?


  • #3
    honeybear
    Registered Users, Registered Users 2 Posts: 5,648 ✭✭✭honeybear


    FakePie wrote: »
    Last year made a significant saving, whilst increasing cover comprehensiveness - via research and changing policies.

    So - getting close to renewal time.

    I was initially on VHI One plan.
    Changed to Essential Health by Laya.

    This year - what are your picks?
    There’s a poster on ask about money who gives me wonderful advice every year.


  • #4
    Quackster
    Moderators, Regional South Moderators Posts: 5,897 Mod ✭✭✭✭Quackster


    FakePie wrote: »
    Two possibilities that jumped out at me were,

    VHI One Plan access
    and VHI One Plan access plus
    hia - compared

    Anyone looking at these plans?

    Very poor IMO. Only 60% cover for a private hospital semi-private room. Any plan that doesn't give 100% cover for at least a semi-private room in private hospitals (subject to a reasonable excess) should be avoided.

    The benchmark option for in-patient cover IMO is Laya's Simplicity plan. If you can afford the extra cost (€1,190), no other plan gives more bang for your buck.


  • #5
    Quackster
    Moderators, Regional South Moderators Posts: 5,897 Mod ✭✭✭✭Quackster


    The cheapest plan with comprehensive cover at the moment I can see is Laya's Flex 500 Explore @ €791.

    By comprehensive cover I mean a plan that provides 100% cover (subject to excess) for a semi-private room in all non-specialist private hospitals and doesn't apply co-payments to any in-patient surgical procedures.


  • #6
    FakePie
    Registered Users, Registered Users 2 Posts: 176 ✭✭FakePie


    Quackster wrote: »
    The cheapest plan with comprehensive cover at the moment I can see is Laya's Flex 500 Explore @ €791.

    By comprehensive cover I mean a plan that provides 100% cover (subject to excess) for a semi-private room in all non-specialist private hospitals and doesn't apply co-payments to any in-patient surgical procedures.
    Would I be correct to say, this is like a 500 euro variant on Essential Health 300?

    I definitely can't afford to go up in cover; so, Essentia Health 300 seems like the best option again for this year...

    For the sake of 90 euro extra per year, I think that 300 vs 500 excess may be worth it.


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  • #7
    Quackster
    Moderators, Regional South Moderators Posts: 5,897 Mod ✭✭✭✭Quackster


    FakePie wrote: »
    Would I be correct to say, this is like a 500 euro variant on Essential Health 300?

    I definitely can't afford to go up in cover; so, Essentia Health 300 seems like the best option again for this year...

    For the sake of 90 euro extra per year, I think that 300 vs 500 excess may be worth it.

    Yep, that's pretty much the difference. If you're happy paying the extra €100 for the reduced excess, then staying put makes sense.


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