Sunday Independent (Ireland) - Business & Appointments - - FRONT PAGE -

A fam­ily of four (two adults and two young chil­dren) would save €3,518 by switch­ing from Laya’s Health Smart Fam­ily plan to Con­nect Care 100 — a sim­i­lar plan of­fered by the same in­surer. “Con­nect Care 100 is an equiv­a­lent plan to Health Smart Fam­ily — but it is much cheaper and has a lower ex­cess on pri­vate hos­pi­tal care,” said Goode. Health Smart Fam­ily costs €2,689.58 per adult and €789.10 per child, while Con­nect Care 100 costs €1,298.96 per adult and €420.85 per child. So it would cost €6,957 to have the whole fam­ily on Health Smart Fam­ily — but €3,440 to in­sure the fam­ily un­der Con­nect Care 100.

The ex­cess (the first part of a claim you must pay your­self ) for a semi-pri­vate room in a pri­vate hos­pi­tal is €100 per claim with Con­nect Care 100 — but €125 per claim with the more ex­pen­sive Health Smart Fam­ily. How­ever, for day-case pro­ce­dures in the Mater Pri­vate and Black­rock Clinic, the ex­cess is €175 per claim with Con­nect Care 100 — and €125 per claim with Health Smart Fam­ily.

Even big­ger sav­ings could be made by this fam­ily if they split their cover — that is, where adults and chil­dren are in­sured on sep­a­rate plans but still on the one pol­icy. In this case, Goode rec­om­mends Laya’s Es­sen­tial Con­nect Health as a hos­pi­tal plan (where the main cover pro­vided is for hos­pi­tal care) for the chil­dren. Es­sen­tial Con­nect Health costs €189 per child. (How­ever, the cover for out­pa­tient ex­penses, such as GP vis­its, isn’t as good un­der Es­sen­tial Con­nect Health as it is un­der Con­nect Care 100 or Health Smart Fam­ily.)

Hav­ing two adults on Con­nect Care 100 and two chil­dren on Es­sen­tial Con­nect Health would bring the fam­ily’s pri­vate health in­sur­ance bill to €2,976 — al­most €4,000 less ex­pen­sive than in­sur­ing the en­tire fam­ily on the Health Smart Fam­ily.

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