Laya Healthcare will release 6 new plans on 1 December 2015.

Simplicity (€1,044.96 per adult and €248 per child) provides cover for a private room in a public hospital and a private room and day case cover in private hospitals and the Beacon hospital with a €50 day case excess and €100 inpatient excess on the first two inpatient private hospital claims per year only.
Full cover is provided for day case and cardiac procedures in the Blackrock Clinic and Mater Private private hospitals with a €50 day case excess. No excess applies to listed cardiac procedures.  No shortfall applies in the Blackrock Clinic, Mater Private and the Beacon hospital for specified orthopaedic procedures.
Three nights cover in a public hospital is provided for maternity acomodation costs and up to €3,500 for home births.
The plan also has significant outpatient benefits such as a 50% refund for consultant’s fees, GP costs and physiotheraphy costs with a €100 outpatient excess per person or a €200 outpatient excess per family.

Ideal Simplicity (€1,250 per adult and €348 per child) provides the same hospital and outpatient cover as the Simplicity plan. Ideal Simplicity differs only in the outpatient excess which is a €50 outpatient excesss per person or €100 outpatient excess per family.

Complete Simplicity (€1,380 per adult and €380 per child) also provides the same hospital and outpatient cover as the Simplicity plan. Complete Simplicity only differs in the outpatient excess which is a €1 outpatient excess per policy. Additionally a 75% refund is offered for GP consultations.

Care Select (€1,400 per adult and €380 per child) provides cover for a private room in a public hospital and a private room and day case cover in private hospitals and the Beacon hospital with a €75 day case excess and €125 inpatient excess per claim. No excess applies to the first day-case/in-patient private or high tech hospital claim per year.
Full cover is provided for day case and cardiac procedures in the Blackrock Clinic and Mater Private private hospitals with a €75 day case excess. No excess applies to certain cardiac procedures.
No shortfall applies in the Blackrock Clinic, Mater Private and Beacon hospital private hospitals for specified orthopaedic procedures.
Three nights cover in a public hospital is provided for maternity accommodation costs and up to €3,500 for home births.
The plan also has significant outpatient benefits such as a 75% refund for GP costs and consultant fees  and a 50% – 75% (50% refund is offered for the first €630 of claims and a 75% refund is offered for claims above this, up to the €2,000 cap) refund for other outpatient benefits with a €1 outpatient excess per policy. All outpatient benefits are subject to a €1,000 out-patient cap per member unless specified otherwise.

Health Secure Plus (€1,650 per adult and €450 per child) provides cover for a private room in a public hospital and a private room and day case cover in private hospitals and the Beacon hospital with €125 day case/inpatient excess. No excess applies to the first two day-case/in-patient private or high tech hospital claims per year.
Full cover is provided for day case and cardiac procedures in the Blackrock Clinic and Mater Private private hospitals with a €125 day case excess. No excess applies to certain cardiac procedures.
No shortfall applies in the Blackrock Clinic, Mater Private and Beacon hospital private hospitals for specified orthopaedic procedures.
Three nights cover in a public hospital is provided for maternity accommodation costs and up to €3,500 for home births.
The plan also has significant outpatient benefits such as a 75% refund for GP costs and consultant fees and a 50%-75% refund (50% refund is offered for the first €630 of claims and a 75% refund is offered for claims above this, up to the €2,000 cap) for other outpatient benefits with a €1 outpatient excess per policy. All outpatient benefits are subject to a €2,000 out-patient cap per member unless specified otherwise.

Total Health Extra (€1,500 per adult and €400 per child) provides cover for a private room in a public hospital and a semi-private room and day case cover in private hospitals and the Beacon hospital with €125 day case/inpatient excess. No excess applies to the first three day-case/in-patient private or high tech hospital claims per year.
Full cover is provided for day case and cardiac procedures in the Blackrock Clinic and Mater Private private hospitals with a €125 day case excess. No excess applies to certain cardiac procedures.
No shortfall applies in the Blackrock Clinic, Mater Private and Beacon hospital private hospitals for specified orthopaedic procedures.
Three nights cover in a public hospital is provided for maternity acomodation costs and up to €3,500 for home births.
The plan also has significant outpatient benefits such as a 50% refund for GP costs and consultant fees with a €1 outpatient excesss per policy. All outpatient benefits are subject to a €2,000 out-patient cap per member unless specified otherwise.

These plans are available to all new and existing customers from this date.

The above information was sourced with the permission of the Health Insurance Authority from their website www.hia.ie. Our thanks to them for their assistance.