Private Medical Insurance

That's a well priced plan overall. Its €1,047 and if you are happy with benefits i wouldn't be recommending a change.

The alternative would be My Plan 500 Day to Day, its €1,044 if you bought here.

Why would you change?

1. Private Hospital Day case excess- reduces from €250 to €150. At your age day cases more likely than an inpatient admissions
2. Cardiac procedures in high tech hospitals, you only have 75% coverage which is a big shortfall. Can get procedure in beacon subject to €500 excess on ILH plan (much much less tahn a 25% shortfall!)
3. General cover in Beacon, no cover on your current plan against coverage for overnight subject to €500 excess
4. Orthopaedic shortfall is 40% on VHI and much less on ILH plan at €2,500 co payment.

No big savings, but items to consider. If happy with cover you have no need to make a change.

The big diffenece with 36 13 is its only a semi private room plan versus PMI 24 10 having private room cover.

In addition you only get 50% back instead of 75% on day to day items.

If looking at Maternity you might want to upgrade, their is a 52 week waiting period for Maternity and remember a two year upgrade rule. Your big decision with maternity is usually if you go public, semi private or private. December plans will cover c€300-600 for maternity outpatient consulting fees but a big gap against costs.

You should be looking at a plan for you and one for your partner as different medical needs. Plan B is fairly good value for the cover offered so more you need to see what benefits you want.

Both basic enough plans, but not badly priced. The key thing in your 50s to be thinking is two years ahead, you need to be looking ahead to make any upgrades in cover so you can attend the hospitals you want. An example would be hi tech cover for item like cardiac care or a potential orthopaedic procedure.

Proposer advanced is miles better than Simply Connect Plus so I would be advising of that as your plan.

Plan C is relatively poor value, specially if you have decent day to spend as cover is limited. I would be looking at Inspire (covers private room in Mater Private Cork) or health guide 2 with discount on 8.33% (full cover for cardiac procedures with no excess).

if you are willing to go from 100% ortho and ophthalmic coverage to 80% inspire or inspire plus will be suitable. If you want to keep your full ortho cover if move to prosper advanced.

That's a well priced plan overall. Its €1,047 and if you are happy with benefits i wouldn't be recommending a change. 

The alternative would be My Plan 500 Day to Day, its €1,044 if you bought here.

Why would you change?

1. Private Hospital Day case excess- reduces from €250 to €150. At your age day cases more likely than an inpatient admissions
2. Cardiac procedures in high tech hospitals, you only have 75% coverage which is a big shortfall. Can get procedure in beacon subject to €500 excess on ILH plan (much much less tahn a 25% shortfall!)
3. General cover in Beacon, no cover on your current plan against coverage for overnight subject to €500 excess
4. Orthopaedic shortfall is 40% on VHI and much less on ILH plan at €2,500 co payment.

No big savings, but items to consider. If happy with cover you have no need to make a change.

I don’t believe that plan still exists , you might check the current plan name.

If you are willing to drop down to semi private room and up to 50% coverage for items like GP and consultants Health Guide 2 at €135 per month with the discount via link on other post might be attractive as it has thr €4K outpatient limits. Laya have some good plans but a lot of them have a cap of €1,000-€1,500 for day to day stuff.

The most similar vest priced alternative to Horizon 4 is like Healthguide 3, it’s private room with €75 excess per stay and up to 75% back for GP & Consultants. With discount it’s €165 per month and has €4,000 outpatient limit.