Private Medical Insurance

Just to call out Plan B is no where near the cover of HG2! Particular on the day to day element and lack of cover for Mater Private and Blackrock. But if Plan B suits your needs its a good priced plan.

If she wants to stay with HG 2, if she just signs up via one of those links and gets the new customer discount of 8.33%. This will give her a renewal rate of €1,603.64 (assuming after 1st of January).

Cancel current policy and then call Irish life up and add your two kids to Nurture Plus its only €150 per child from 1st of January, better than half price. You would end up with you on HG2 and kids on Nurture Plus, all for c€1,900. Just to flag nurture plus has limited out patient benefits (high excess) but its expectational value at €150.

https://www.hia.ie/comparison-tool/results/3AARozQ5OaUxMTI0OcKQkAGhMKM2MDAAk80H6QwRwpLNAUTMx5UHBAUJBpCRk6VBZHVsdAABw8M%3D

If you are happy with the cover I would not be recommending any change as Signify is well prcied coupled with your free child offer. Your not going to do much better than that. The only thing is I would move one of the children from flex 125 explore as its poor value unless its free! Something link Signify care or Inspire Plus for one child, and the remaining kids on the free offer.

Thats poor value plan. If relatively healthy and not loads of Private Hospital admissions ( only benefit of that plan is hospital excess payable on first two admissions only).

I would be looking at either Better Select (only semi private room cover) or Health Guide 3 if you want to keep Private room coverage. These plans have much better day to day cover and are cheaper (note increase in ortho co-pay on HG3).

HIA side by side. Definitely would say make a plan change as current plan is bad value and very poor outpatient cover.

https://www.hia.ie/comparison-tool/results/3AARozQ5OaUxMTI0OcKQkAGhMKM2MDAAk80H6QwTwpMVIM0BRZUHBAUJBpCRk6VBZHVsdAABw8M=

Kind regards

Mark

if you want to stay with VHI I’d be looking at PMI 48 10. It’s very similar cover and costs less (main difference overnight excess in private room).

do you have a plan currently ? So many factors to consider.

Irish life health have the back up program which include 6 physio visits for €65 and you can claim the physio benefit of that which is very good. Health guide 3 is your similar plan and with the 5% discount is well priced (link in a few posts back).

PMI 45 10 is only a semi private room (your current plan is private room in private hospital). PMI 45 10 is well priced but be careful it excludes hospitals in cork and Waterford

company plan has very limited day to day cover due to large excess. If that is not a concern you might stay where you are but if looking at VHI I’d be looking at cover on plans like PMI 52 10, PMI 10 11, PMI 45 10. All those plans have little exclusions and depending on where you are in the country that might impact you.

This is truly awful cover and way way over priced for the benefits. Your wife needs to switch and fast! If she wants to stay with Laya I would be looking at Inspire, much better cover and cheaper! For the kids you can get two kids free on flex 125 explore and you can put who ever needs most benefits on Inspire Plus.

if looking to move Irish Life best alternative with adult on Health Guide 2 via link for discount and once signed up contact Irish Life to add the kids on Benefit plan.

There is no benefit to you being on the same plan as your wife.

Irish Life
I have my list of plans for Irish Life for January which are very strong, many of these have additional discounts, some do not but are still very good value:

If anyone is with Irish Life Health on any of the following plans they should be having a look at potential alternatives:

1. Any of the 4D Health plans (1-5)- Look at Health Guide, Better Select or Health Action plans to save for similar cover
2. Optimise platinum- Look at Health Action 6
3. Business Plan Complete, Business Plan Extra, any of the Health Plans, any of the Level 2 plans or Focus plans these are all poor value.

Laya

Any plans with Company Care are usually bad value. Any plans that starts with Flex 125 or Essential Plus/Excess are all very poor value.

VHI

Look to avoid plans like Advanced Care's, Premium Care's and Company plan Extra Level 2. VHI's best plans usually start with PMI as these are their corporate plans.