Private Medical Insurance

Hi Ruddy

thanks for all the advice. I have the option between inspire plus and inspire with Laya, about 400 in the difference for a 40/44 and 12 year old. Would you think we'd be okay to drop to inspire?

Brilliant thank you

You're doing great work here @ruddy1987 . Assume you're in the industry?

Sorry, renewal is end of December

Thank you so much Ruddy. Enjoy Christmas 😀

@ruddy1987 I'm on PMI 45 10.

While no major issues, I've had plenty of sports injuries over the years and a few surgeries (knee). No major health issues aside from snoring which is being looked at by an ENT.

Hello @ruddy1987 you are doing great work here

I get the job of reviewing my family's health cover options and its not my favourite job but I end up doing it mainly because no one else has the patience. Hoping you can help me out and narrow the field of options. I have HIA website blindness at this stage.
The following is the current lie of the land for my parents and my own family unit. Can you suggest a few lower price alternatives while keeping roughly the same level of cover? We are all living in the north east of the country about 80 miles from Dublin. The Mater has received a few visits over the years.
I would like in particular to see if I could get a lower priced alternative for my parents but they are very wary of changing plans or cover just in case they end up not covered for something when they need it now. They have paid private health insurance all their lives but are both pensioners now and its a big bill every year for them

As you can see from the details below we are all with Laya. I have found them good enough to deal with but the recent price rises have tested my loyalty.
Any help or steer you can give would be appreciated

Many thanks for that ruddy1987

Father had some gallbladder/ pancreas health issues 2 years ago - ortho and eye wise he is in good shape. He keeps active daily. He has had chest problems with a bad bout of pneumonia a good number of years ago so we are always wary of that. Again he's at an age when he could end up needing the cover

What alternative plan would you suggest for him?

Based on your advice we'll maybe up her cover and go for Prosper advanced - is there a waiting period to serve before she would get the benefit of the extra cover if say she went for a hip replacement in 2026?

Are there any alternatives for my wife and I from say those Irish Life plans that you posted previously? Laya are Ok but there its still no harm to check out the competition.
Thanks for that tip re the Flex 125 Explore plan for the two youngest - I changed up the cover for them a few years ago but went with the recommendation from the Laya rep on the phone (who was very good) but if there is a better level of cover there for them that's free then why not avail of it. The youngest two are big into the football and running so you would never be sure when they might need cover.

No question. Just that I hope people realise all the valuable expertise you are dispensing out of kindness.