Hi poppy365,
It just so happens that Laya have an offer for children, from 1st September 2015, on plan Essential Connect Health. You pay for the first child,
268 euro and the rest of the children go free.
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Regarding your own plan, there is also a slight improvement on Flex 250 Explore from 1st September 2015, day case excess is changed from 250 to 100 per visit.
The only alternative options to this plan are by increasing the inpatient excess amount to 500. Laya Flex 500 Explore price 661pa(price from Sep 1) Just to note the day case excess amount for this plan changes from 500 to 150 per day case visit. This may or may not suit due to the 500 inpatient excess. But all 3 levels of hospital cover is included - public, private and hi-tech.
Alternatively, if you didn't mind dropping hi-tech cover, Laya Advantage 250 Explore price 677pa (price from Sep 1) is worth considering. Note, the
day case excess amount for this plan changes from 250 to 100 per day case visit. This plan includes public and private hospital cover.
Otherwise, Flex 250 Explore is a good plan.
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Regards, Snowyb