Monday 11 December 2017

MAKE ME RICHER

Nick Webb

Nick Webb

Trying to get your head around the various health insurance policies at VHI, Aviva, Laya and Glo is as much fun as going to the dentist. And eating broccoli. However, the smart, young folks over at healthinsurancesavings.ie have done all the hard work in this week's health insurance special. They've compared all the bells and whistles of policies for different categories and crunched the numbers in detail. These prices below are after tax reliefs and group discounts (where applicable). It's also worth noting that Laya's prices include a 3 per cent charge for paying monthly. Check out healthinsurancesavings.ie for the best policy for you.

WEALTHY PAIR

For someone with a bit of cash to spare and needing a pretty decent standard of cover including a private room in a hi-tech hospital with knobs on. Quotes from healthinsurancesavings.ie

Best: Glo ultimate €5,560

Avoid: VHI Health Plus Platinum €7,872.50

Saving: €2,312.50

contact: www.glohealth.ie or 1890 781 781

NUCLEAR FAMILY

A perfectly normal family of two adults and two kids looking for semi-private accommodation in a private hospital and a reasonable level of day-to-day cover for medical expenses. Quotes from healthinsurancesavings.ie

Best: VHI PMI 1911 €2,652.22

Avoid: Glo Better Plan Ultra Cash €3,190

Saving: €537.78

Contact: www.vhi.ie or 1890 44 44 44

STANDARD COVER

We're back in recession – again. That means that budgets are going to be tight for the foreseeable future. The most basic, basic level of cover for an adult. This is a modest step up from sitting on a trolley for a couple of days in a public hospital. Quotes from healthinsurancesavings.ie

Best: Laya Essential Secure €495

Avoid: Glo Basic €560

Saving: €65

Contact: www.layahealthcare.ie or 1890 700 890

BIG FAMILY

Kids are blooming expensive but not as bad as students. Getting cover for a family with two children and two students is going to hurt. It's almost worth putting one of them through medical school to train up your own private physician. Quotes from healthinsurancesavings.ie

Best: Aviva Family Value €2,716

Avoid: Glo Better €3,205

Saving: €489

Contact: www.avivahealth.ie or 1890 717 717

PENSIONER COVER

Uncertainty over medical bills is not something you want when you're older, especially when pensions are being cut. Cover for a private room in a semi-private hospital. Quotes from healthinsurancesavings.ie

Best: Laya Healthwise Plus no excess €1,003.59

Avoid: VHI Teachers/Nurse Plan €1,254

Saving: €250.41

Contact: www.layahealthcare.ie or 1890 700 890

BASIC FAMILY COVER

You know the story. Tropicana OJ gets replaced by 'own brand'. Weetabix is no longer there. Instead, it's Weeta chunks or some other own-brand derivative. Cutbacks in household budgets are biting deep. Health insurance for families can be pared back, too. Quotes from healthinsurancesavings.ie

Best: Aviva First Focus/Family focus €2,012

Avoid: Glo Better €2,290

Saving: €278

Contact: www.avivahealth.ie or 1890 717 717

Irish Independent

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