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Private Medical Insurance

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12467…34

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    #92
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124019291#Comment_124019291

    Plan is fine, I would work through your loadings and once that is over look to increase cover at that point.



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    #93
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124019311#Comment_124019311

    PMI 24 10 is one of the few VHI plans that doesn't have nightly excess's for overnight stays in Private Hospitals. It does exclude certain hospitals so need to be careful with that one.

    If you want to keep the Private room without a nightly excess I would be looking at Connect Simplicity with Laya or HealthGuide 3 with Irish Life Health (with 5% discount here).

    If you want to stay with VHI your looking at PMI 48 10 which is very similar to PMI 24 10 but it has a nighlty excess for private rooms of €50 per night. HIA comparison below:

    https://www.hia.ie/comparison-tool/results/3AARozQ5OaUxMDE0OcKQkAGhMKM2MDAAk80H6QsawpTNAQhpzQFFzQEOlQcEBQkGkJGTpUFkdWx0AAHDww==



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    #94
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124019314#Comment_124019314

    You need to just purchase a new connect choice policy online on 31st of December and do not renew your current plan. You will get a new policy number but worth it potentially for saving and quality of cover.



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    #95
    the goon
    Registered Users, Registered Users 2 Posts: 483 ✭✭the goon


    https://www.boards.ie/discussion/comment/124019605#Comment_124019605

    Thanks a million. Have to say your advice is stellar!



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    #96
    Quackster
    Moderators, Regional South Moderators, Paid Member Posts: 6,212 Mod ✭✭✭✭Quackster


    https://www.boards.ie/discussion/comment/124019314#Comment_124019314

    I wouldn't be ringing them. Just take out a new plan online. You'll get a new membership number but that's not a problem.



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    #97
    Bass Reeves
    Registered Users, Registered Users 2, Paid Member Posts: 22,745 ✭✭✭✭Bass Reeves


    @ruddy1987 My daugher who is in her over 26 and good health is looking at going from Irish Life Kickoff plan ILH to Level HEA plan A. The savings is 240 per months is thete much difference

    Slava Ukrainii



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    #98
    TheBody
    Registered Users, Registered Users 2 Posts: 5,675 ✭✭✭TheBody


    Hi Ruddy1987! Thank you for all the great advice.

    Family of 4. Both adults (41 and 44 years old) with LAYA Signify and both children (6 and 10 years old) on Essential Health 300. Got a renewal quote for €3,201 for the coming year.

    Don’t need maternity cover or any “alternative medicines” cover. Any suggestions?



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    #99
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124021509#Comment_124021509

    you had some limited cover in private hospitals that you would lose.

    If you wanted to stay with Irish Life you could go with first cover that’s c€500. (With discount at the minute) Hia comparison below:

    https://www.hia.ie/comparison-tool/results/3AARozQ5OaUxMDE0OcKQkAGhMKM2MDAAk80H6QsbwpPMqs0BS80BaJUHBAUJBpCRk6VBZHVsdAABw8M=



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    #100
    Bass Reeves
    Registered Users, Registered Users 2, Paid Member Posts: 22,745 ✭✭✭✭Bass Reeves


    https://www.boards.ie/discussion/comment/124022631#Comment_124022631

    TThanks For that Ruddy

    Slava Ukrainii



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    #101
    mac1961
    Registered Users, Registered Users 2 Posts: 219 ✭✭mac1961


    hi Ruddy1987 My renewal is 1/1/26 I’m on PMI3513 a couple over 60. The renewal is €3707. I rang VHI and went through a few things and suggested I move to PMI5310 €3200. Is this a good move. I live in Waterford.



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    #102
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124023528#Comment_124023528

    If open to a change of insurer I’d be recommending Inspire or Health Guide 2 with Irish Life Health (with discount see links in other post ). They are better alternatives imo than PMI 53 10.

    Be careful with 53 10 as it does not have urgent care minor injury access. If you could take on a larger orthopaedic excess (40% versus 20%) I’d probably look at PMI 52 10. Last other VHI alternative would be Company Plan plus level 1.3.

    Hia comparison

    https://www.hia.ie/comparison-tool/results/3AARozQ5OaUxMDE0OcKQkAGhMKM2MDAAk80H6QsbwpU6zQEczQEbzQFEzQEKlQcEBQkGkJGTpUFkdWx0AAHDww==



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    #103
    ei9go
    Registered Users, Registered Users 2 Posts: 879 ✭✭✭ei9go


    On Laya Control 300 Create but its increased to 4800 euro for 2 adults. Was thinking about LayaProsper Care at 3680 euro. Any thoughts?



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    #104
    magheralane
    Registered Users, Registered Users 2 Posts: 2 ✭magheralane


    Hi Ruddy That time of the year when medical insurance is up for renewal on 1st January. We are a couple in our mid 70s currently on Laya Simply Connect and Simply Connect Plus. My wife would have more medical issues including a rare bone cancer for which she has had surgery with major consequences. She is attending about seven consultants…a mixture of public and private and is a medical card holder. I've had some medical issues in the last ten years though nothing currently. Neither of us are aware of any knee, hip or shoulder issues. Your thoughts across all the providers would be much appreciated.



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    #105
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124021573#Comment_124021573

    Signify is a good plan still, if happy with Laya not much better. Essential Health 300 is poor on its own, but has the free child offer so you are only paying for one child. So that's makes it acceptable, however I would consider moving the older child to something like Inspire Plus and leave the second child on Essential Health 300 free



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    #106
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124024331#Comment_124024331

    A few options here: https://www.hia.ie/comparison-tool/results/3AARozQ5OaUxMDE0OcKQkAGhMKM2MDAAk80H6QsbwpVTYM0BOEfNAQqVBwQFCQaQkZOlQWR1bHQAAcPD

    I would say you should go to Prosper advanced, its €2,563.55, but you have Private room coverage and full ortho still. Big one is 75% back on Consultants to which is massive if a lot of consultant visits. If you could step down your cover and dont need ortho you could go down to something like Inspire.



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    #107
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124024305#Comment_124024305

    Your current plam is very poor unless you need full ortho cover…still poor value.

    Prosper care much better plan but just be aware 20% shortfall on ortho.



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    #108
    SEORG
    Registered Users, Registered Users 2 Posts: 897 ✭✭✭SEORG


    Hi ruddy1987

    Our renewal date is 01st December.
    2 Adults (51 & 47) on Laya Inspire & 3 children(13, 10 & 6) on Laya Inspire Plus - renewal cost is €4,462

    Any alternatives?

    Thank you



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    #109
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124024638#Comment_124024638

    As 1st of December I’d pay the extra €16 per adult for connect choice, much better cover than inspire for a 1st of December renewal. 75% for GPs and lower hospital excess.

    Inspire plus great value plan for the kids and benefit it offers. No change there.



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    #110
    sector_000
    Registered Users, Registered Users 2 Posts: 578 ✭✭✭sector_000


    Ruddy for President!



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    #111
    Hugo_Whoriskey
    Registered Users, Registered Users 2 Posts: 505 ✭✭✭Hugo_Whoriskey


    Hi Ruddy, amazing help given here!

    I'm on IL BeneFit Access 500, decent increase this time around. I'm 39, no health issues. Anything you'd recommend?

    Thanks!



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    #112
    amber2
    Registered Users, Registered Users 2 Posts: 1,745 ✭✭✭amber2


    Ruddy, may I please ask of a suitable alternative plan to look at, was on Essential Health 300 amended to Flex 500 explorer during the year and 19 yr old and 17 yr old on Prosper. Family of 4 two adults 50, One adult has arthritis but no other health issues. Renewal isn’t until end of February and open to looking at other providers. Tia



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    #113
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124024977#Comment_124024977

    Whats your renewal date? The reason i ask is…https://www.rte.ie/news/business/2025/1128/1546317-irish-life-health-to-hike-prices/
    But there are options for sure just want to see what works best?



  • Options
    #114
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124025867#Comment_124025867

    To early to say whats value…..VHI, Laya and Irish Life all have price increases in January and likely more to follow early in the new year. Follow up in late January and I will give guidance at that point. Problem is a plans thats good value today, might not be good value in a few weeks after price changes or benefit cuts!



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    #115
    SEORG
    Registered Users, Registered Users 2 Posts: 897 ✭✭✭SEORG


    https://www.boards.ie/discussion/comment/124024670#Comment_124024670

    Thanks so much…….You have made this a contender for thread of the year



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    #116
    magheralane
    Registered Users, Registered Users 2 Posts: 2 ✭magheralane


    Thank you Ruddy only getting back to this. Yes I was looking at Prosper Advanced.



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    #117
    Hugo_Whoriskey
    Registered Users, Registered Users 2 Posts: 505 ✭✭✭Hugo_Whoriskey


    https://www.boards.ie/discussion/comment/124026016#Comment_124026016

    Thanks! Renewal is next week, so won't be impacted by those I don't think



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    #118
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124027048#Comment_124027048

    Awh very good, benefit access 500 is €1,183.

    A few plans I’d look at with ILH (inclusive of 5% discount on https://www.totalhealthcover.ie/health-insurance-quote)

    1. My plan 500 €1.034.04
    2. My plan 350 €1,087.37
    3. My plan 500 day to day €1,089.12


    I would say all of these better value, you either get premium saving or extra cover. Only exception is orthopaedic co payment increases €500 on all of them but at 39 that shouldn’t be a concern.



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    #119
    Hugo_Whoriskey
    Registered Users, Registered Users 2 Posts: 505 ✭✭✭Hugo_Whoriskey


    https://www.boards.ie/discussion/comment/124027180#Comment_124027180

    That's brilliant, thanks so much for the help!



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    #120
    PatMurphy021987
    Registered Users, Registered Users 2 Posts: 110 ✭✭PatMurphy021987


    Hi ruddy1987

    First of all many thanks for the work you are doing here.

    My renewal date is 01st Janurary.

    We are 2 Adults (46 & 45) on Irish Life Health Benefit plan & 3 children(10, 8, & 6) our - renewal cost is €3551

    Any alternatives?

    Thank you



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    #121
    ruddy1987
    Registered Users, Registered Users 2 Posts: 724 ✭✭✭ruddy1987


    https://www.boards.ie/discussion/comment/124027912#Comment_124027912

    leave this with me until Monday as waiting to see 1st of January offers from Irish life that I will have viability on Monday! Definitely money to be saved.



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