husband and I are in our early forties. We’ve three young children — all under the age of eight. During the recession, we moved to a cheaper private health insurance plan. We’re now considering upgrading to a plan which covers day-to-day medical expenses. Is there a plan which you’d recommend which provides good cover for day-to-day medical expenses, as well as a good level of hospital semi-private cover? We’re spending about €3,000 a year on our current plan so I would like to keep the cost as close to this as possible. Joanna, Newbridge, Co Kildare A good comprehensive plan to cover public, private and certain listed procedures in the hightech hospitals, as well as day-to-day benefits, will cost a minimum of €1,100 per person. If you pay any less than this, it is likely to exclude some hospitals or not include day-to-day cover. The budget you mentioned will give you access to some of the best corporate schemes. These plans give superior cover for hospital cover and day-to-day benefits to other health plans available on the market. Corporate plans are specifically designed for large companies who pay for their employees’ health policies. Legally, these plans must be made available to anyone who asks for one, irrespective of occupation or employment status.
Here are some good corporate plans. VHI’S PMI 07 10 costs €1,188.15 per adult and €299.84 per child for the year. This plan has a once-off excess (first part of a claim which you must pay yourself ) of €150 for overnight stays in private hospitals and a day case excess of €50. Furthermore, Level 1 fixed price cardiac procedures and other specified fixed price procedures are fully covered. Good day-to-day cover with 50pc back on GP and consultant visits is also included.
Laya Healthcare’s ‘Simply Connect’ plan costs €1,100 per adult and €275.26 per child for the year. It has a €150 excess per claim on the first two overnight stays in a private hospital, a €50 excess on day cases, and it offers full cardiac and orthopaedic cover.
However, there is a nightly shortfall for specified fixed price procedures in the high-tech hospitals. This plan has good day-to-day cover with 50pc back on GP and consultant visits and is subject to an outpatient limit of €500 per person (outpatient cover is for hospital treatment which doesn’t require an overnight stay). ‘Simplicity’ Barbara Sheehan is health insurance expert with healthinsurancehelp.ie While we will endeavour to place your questions with the most appropriate expert for your query, this column is not intended to replace professional advice.