Private Medical Insurance

@ruddy1987 Thanks for your advice. Much appreciated.

hi @ruddy1987

I’m wondering if you could give me some advice on alternative renewal plans please, currently with Laya on simply connect, two adults, both 60, renewal due 01/05/26, it’s getting very expensive now, I am wondering if there are similar plans but cheaper, thank you in advance

Hi Ruddy, hope all is well. My partner and I have just moved back from Australia and would appreciate your advice on a suitable health insurance plan. We're based in Dublin.

We are currently with VHI International and would like to stay with VHI to avoid exemptions related to pre-existing medical conditions.

Key inclusions include:

• Maternity & fertility cover
• Private room
• Don't need high tech hospital
• Consultant visits
• Physio visits

Which plan do you think might be best? We were having a look at PMI 45 10 but would be good to get your perspective on it. Thanks

Thanks Ruddy appreciate it. For myself (male) who only needs up to 1,000 outpatient cover, is PMI 45 10 still the best value or are there other more suitable options with VHI?

Quite a few sports injuries over the years, but hadn't considered the orthopedic part of the plan as something to remove. Something to review and consider, thanks.

Hi Ruddy, thanks for the prompt reply, don’t need full ortho at the moment but you never know when you might need a hip or knee replacement, could we afford the excess, I don’t know how much these procedures cost, I suppose we could up the excess, thanks a million

thanks @ruddy1987 very much appreciated

Ruddy

Looking for advice.

Family of 4. Parents 50f 53m. Twin boy and girl turning 5 in June. Both kids have ASD. Dad type 2 diabetes.

Currently Dad and kids on Laya Prime. Mom on Laya Inspire.

Kids have full medical card but a lot of therapy like speech language, behaviour therapy, music therapy or occupational therapy. Probably need dental and optical for kids. Average therapy session cost 100 and we get 40 back. 40 seems to be the max refund regardless of session cost. Have had sessions costing 300 and only getting 40 back. Speech therapy is weekly, music therapy is also weekly but not covered. OT is once a month

Renewal is April 2st.

Paying monthly, about 420 a month. Looking to keep everyday cover and improve refunds on kids therapy costs if possible. Was told there may be a VHI policy that does 75% on therapy sessions.

Looking for some advice.

With Laya at present, family of four with two kids under 3. One kid with ASD diagnosis. Have a corporate "Prosper Advanced" plan at the moment giving 75% back for me and kid with diagnosis. Basic 'Prosper' for OH and one kid.

Need to move off this play around June. What's my best options for something similar and going at it alone?

Do you need the private room on prime or what’s the reason to be on that plan?

Was expecting to need surgery last year and a bunch of physio for myself, my physio laughed and said an orthopedic is never happen unless they have a knife in their hand and I didn't need surgery based on the scans. So I can probably go with lower cover myself.

PMI 24 10

That's capped at 4k per person right?