Corporate plans with day-to-day cover for around €1,200 per adult

These plans cover all public and standard private hospital up to semi-private level with each claim in private hospitals subject to a small excess of €125 to €200 per claim, Mr Goode said. They include high-tech cardiac cover and refunds on out-patient expenses with no excess to pay first.

Note: These include excesses per private hospital stays and include co-payments on certain orthopaedic / ophthalmic/ cardiac procedures. Laya charge 3pc for paying monthly by direct debit. The above is for illustrative purposes only and should not be considered as like-for-like alternatives. Please refer to the insurers’ table of benefits for full plan details or seek expert advice before making any changes