Private Medical Insurance

Hi Ruddy

My wife and I are on vhi company plan plus1.3.Both of us in our 50s living in Dublin.

I am nearing the end of cancer treatment. Just on medication now getting monthly blood tests.My wife has no health issues.We do use the day to day expenses a bit..chiropodist g.p etc.

Is there any other that you can recommend. T.I.A.

Hi Ruddy1987

I have been reading all your feedback to various people you really are generous with your time!

I am wondering would you have any insight for myself please as I’m due for renewal very soon,me and my 2 year old are on Laya Signify,I am 39 yrs old female no huge health concerns,I go to a consultant 1/2 twice a year and routine GP visits. My 2 year old has no huge health concerns either thankfully just the usual toddler ailments.

If you had any recommendations/thoughts I’d be grateful,thanks so much!

Hi Ruddy1987

I wonder if you could give me a steer.

I am coming off a corporate plan. We are generally healthy family in our late 40s (2+1kid) and price is important.

Maternity, orthopaedics and optical are not important. Would like online GP care and some contribution for consultants.

Was looking at IL Kickoff plan but perhaps there are better out there ?

Thanks in advance

Hi ruddy,

Great reading with a lot of info to take in. My own background is I'm 43m, no health insurance ever. But on the plus side I'm healthy with no issues as of yet. 1 yearly visit to the DR and same to dentist and I'm good for another year. I'm thinking around the 1800e mark a year as a price point

There is history of cardiac in the family.

Don't mind sharing rooms for hospital stays or excess of around the 200e mark be it for consultations or say hospital admissions once the large bill items are covered

From reading through the posts here I seen you recommended Laya's simply health choice before to another poster, would this be a good starting package in my situation??? Also what sort of wait times is there for new entrants before you can actually claim on stuff???

Based in Galway so I know the two major private hospitals are covered by both, but maybe both are not equal?

Thanks Ruddy. The question I can't seem to find the answer to is what would I ever need to go to these Dub high tech hospitals that a regular private in Cork wouldn't give? I can't find anyone who has been to one of these hospitals out of necessity. Hence I have the thought in my head that it's not worth including.

Super advice thank you!

Hi Rusty,

I'm wondering if you could please advise? We are with VHI, they are recommending PMI 10 11. We are late 50s, have a few ortho issues but not in imminent need of joint replacements. Also, both of us have medical cards so not concerned about GP cover but we do infrequently attend consultants for arthritis. Not too fussed about private beds but just want ease of access, emergency care, cover for MRIs etc to keep an eye on the joint issues and VHI swiftcare access. In Cork so don't feel too pushed about the high tech hospitals in Dublin. Thinking of moving our young adults (age 22 and 25) to PublicPlus Care as they don't need private hospital beds. They are currently on FirstCare 500 Day to Day. Was thinking of keeping the younger 2 on FirstCare 500 Day to Day as their premium isn't big but the young adults are becoming really expensive to keep on the higher plan. Kids are generally healthy. Do you think we should stick with PMI 10 11?