Hi Keff,
I would look at Aviva's Health Plan 06 for you and your husband, it is €980 per annum, and is almost identical to the plan you are on and a shade better than your husband (but more than worth it for €35 in the difference). There is €25 back on 7 Physio visits, as well as other day to day expenses with no excess. Small excess of €75 on Private and hi tech hospitals. Also aviva have a "Back up" program that may be the answer to your physio needs, with up to 8 sessions for €50.
For the kids, Aviva have a special offer on their new Family Focus Plan (€150 for kids 5-17 and €241 for 0-4 year olds).
Probably a bit biased but there was a huge saving in moving from VHI to Aviva, hope this helps,
Thanks
M