Think carefully before you downgrade. We did that (just two adults on the policy), thinking that we don't need to be in private hospitals or private clinics etc. Since then, this year so far it has cost us a lot of yoyos (€'s) to have outpatient appointments with only 2 consultants (so far, about €1,500), and more to come. There is no point in having private cover if you don't have access to healthcare services when you need them - we have now discovered to our cost that because we opted out of the 'private' system, we have to pay for every consultant visit, xrays, most hospital treatments if we don't want to wait at least 2 years for them. Beware!