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

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.

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