Private Medical Insurance

Hi Ruddy not sure if u seen this query

Can you recommend a plan that is equivalent to Laya Access Health I'm single 61 , finding it hard to keep up repayments and loading doesn't help thanks

Hi Ruddy,

I am currently with Irish Life Health and my employer pays a percentage of the health insurance cost.

I will be retiring shortly and am looking for a good value plan to replace this which I will be paying for fully myself.

Also, one of my dependants has moved to the UK, is there any good reason to continue paying health insurance for him?

My current plan:

Member Type Plan Discount Type of Discount Cost

Policyholder Horizon 2 €207.60 Group Discount €1678.40

Partner Horizon 2 €207.60 Group Discount €1678.40

Dependant Day2DayFocus €139.32 Group Discount €1063.80

Dependant Day2Day Focus €139.32 Group Discount €1063.80

Thanks!

Thanks Ruddy, the "kids" are actually 28 and 27.

Laya are really taking the piss.

Simplicity renewal has gone up to over 3000 euro per person, thats a 50% increase in 2 years.

Time to change I think, any recommendations ?

Thanks gor your valuable advice Ruddy

If you don't use Cork and Waterford hospitals, is there any reason to choose PMI 43 16 over 45 10. 45 10 has better GP/consultant coverage, and only slightly higher hospital excess and coverage for listed procedures in hi tech hospitals. The main downside seems to be no coverage for "other" procedures at hi tech hospitals, but the shortfall for those on 43 16 is so high, you wouldn't use them for those anyway - or will the hospitals "do a deal" … what are typical non listed procedures/acute stays?

Myself and the missus dont but my mum would just to be safe.

Seems like the Simplicity plan has gone the way of the Plan B on VHI many years ago, just ridiculous hikes.

HI Ruddy

Would love your input. Asking for an elderly relative (93) whose insurance falls due on 1st May.

Currently with Laya on Inspire plus having moved from Simplicity last year.

Laya have suggested Transform Plus.

Any thoughts on this policy or anything with good cover for a semi private room in Dublin hospital..

Dhecwill not be looking for hip or knee replacements snd is in reasonable health eith a medical card and generally accesses public hospital.

Any recommendations would be welcome with Laya or others.

Regards

Thank you Ruddy.

Thanks so much Ruddy, that's great advice, really appreciate it

Thanks eastmeathcoast , very helpful will have a look

Hi Ruddy, thanks for the feedback — really appreciate it from someone who knows these plans inside out.

On PMI 43 16 vs Horizon 1 — good catch, I'll look at that one. The scoring makes assumptions on average procedure costs for ortho that won't always hold, and Horizon 1 probably needs a closer look in that comparison.

More broadly, the tool scores on the big-ticket benefits only — it doesn't try to capture the full picture of a plan, and it won't pick up anything not in the benefit PDFs. Some benefits have no value for certain people anyway. The idea is to severely narrow the number of plans someone needs to review at renewal rather than recommend a specific plan — complement the HIA tool rather than replace it, and help people avoid the renewal trap. "Pointing people in the right direction" is exactly what I'd hope for.

I totally agree number of plans should be limited and all those low value lifestyle benefits should be extras on a base plan if you want to add them.

Any other outliers you spot, feel free to drop me a note via the site.

Hi Ruddy,

Our plan is due for renewal on the 1st June. We are 2 adults and 2 young adults. I'm currently on Signify and my sons are on Prosper. I have seen you say previously that its a decent plan so I'd be happy to stay on that but my husband will need ortho in the near future so Im just wondering what plan you might recommend we have a look at for him. Thank you for taking the time to help. This thread has been so informative.