Plus, should I take out a loan to buy extra years on my UK pension?
As we age, is it advisable to switch to better health insurance cover? Photo: Getty
Q We are two adults insured on the Laya Inspire Plus scheme. We know we’re not fully covered for major orthopaedic procedures and are considering the merits of upgrading to a “full cover” plan. We don’t have any underlying orthopaedic issues at present and would appreciate any advice you can provide in this regard.
A The Laya Inspire Plus scheme is still a good semi-private corporate plan costing €1,777 per adult, according to Dermot Goode of HealthInsuranceIreland.ie. Like most plans in the market at this level, it has a 20pc co-payment on certain orthopaedic and ophthalmic procedures when carried out in a private hospital.
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