ajapale,
For the two adults Laya Simplicity is a very good alternative option worth considering. Price 1191pa;
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VHI are best value for the 2 children and 18 year old.
One + Plan is half price for the 2 children, until 31 October 2017. Price 148 per child;
PMI 40 15 (price 374) or PMI 12 11(price 363) are 2 plans worth considering for the 18 yr old.
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There is no guarantee that the adult and 18 yr old prices will remain the same until October.
The child prices are confirmed until 31 October 2017.
Regards, Snowyb