children need to attend counselling after being involved in a car accident recently. Which are the best private health insurance plans out there for counselling — and if I upgrade to such a plan, is there a waiting period before they’re covered for counselling? Tom, Letterkenny, Co Donegal THERE are many day-to-day plans on the market which will offer money back on counselling visits. The best options from Irish Life Health would be any of its ‘4D Health’ range. There are five plans in this range and with these plans, you can add additional personalised packages for free. One of these packages is called ‘Children Extra’ and this includes money back on children’s counselling. The higher the plan number, the more money you get back per visit.
Any of the better VHI plans with day-to-day benefits will give money back on child counselling. One worth considering is VHI’S Company Plan Plus Level 1.3 which is priced at €286.93 per child and it gives €25 back per child counselling visit — up to a maximum of seven visits per policy year.
Laya Healthcare’s ‘360 Care Select’ is the best plan on the market for child counselling. It allows you to claim 90pc back per visit, there is no outpatient excess and the outpatient limit (that is, the amount of outpatient expenses you can claim back) is a generous €7,650. The annual cost of this plan is €480.86 per child which is excellent value if you should happen to require or avail of these services.
Laya doesn’t apply waiting periods for day-today cover. VHI applies a 26-week waiting period if you are over 50 and Irish Life Health applies a 26 week waiting period if you are over 55 — so no waiting period will apply for your children. Only practitioners registered with their qualifying body will be covered by health insurers.