Hi,
Firstly, to answer your queries, each family member can be on a different plan and also VHI don't cover speech therapy for children.
OPTION 1:
Best options with Laya Healthcare as follows:
2 x adults on Total Health Choice 874.44 x 2 = 1748.88
1 x child on Health Smart Family(4 yr old) 200.00
1 x child on Health Smart ( 2 yr old) 130.00
________
Total premium 2078.88 + 3% (3% charge if paying by instalments)
=2141.25pa
www.hia.ie/ci/comparison/step3?323&295&294
OPTION 2:
The adult requiring physiotherapy could choose Aviva to avail of their "back up" treatment programme. Best options as follows;
Business Plan Select 1048pa
or
Health Plan 05 952pa
www.hia.ie/ci/comparison/step3?133&307
I would suggest the other adult + 2 kids choose Laya options as above.
OPTION 3:
Glohealth Better Plan 842 adult price (Kids under 3 are free on this plan)
I would recommend this for 1 adult and 1 child(2 yr old)
www.hia.ie/ci/comparison/step3?298
Also, 1 adult with Laya Total Health Choice 874.44pa ( with physio needs )
1 child(4 yr old) Health Smart Family 200.00pa ( with speech therapy needs)
www.hia.ie/ci/comparison/step3?323&295
Overall cost for 2ad + 2ch;
1074.44 + 3% + 842 = 1948.67
Hope this throws some light on your decision making.
Snowyb