Hi Deekee,
Welcome to AAM.
Adult Option;
A very good alternative to your current plan is called Laya Simplicity. Details as follows;
1. Laya Simplicity; price 1191pa; all public, private(including private room), and 3 hi-tech hospitals covered. Private/hi-tech excess 100 x 2 max
per year for all admissions to a private or hi-tech hospital. Day case excess 50 per visit. Good day to day cover - the first 100 not allowed.
This plan is similar to your current plan. The only difference relates to the day to day excess amount - the first 100 not allowed.
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19 and 22 yr olds;
A good altenative option for the 19 and 22 year old is with VHI as they are best value at the moment for young adults.
1. Company Plan Plus level 1.3; price 392(19 yr old) + 664(22 year old).
All public, private and 3 hi-tech hospitals covered. Private/hi-tech excess 150 per admission and 50 per day case procedure.
Good day to day cover, 50% refund for gp, consultant visits etc.
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Total family price; 1191 + 1191 + 392 + 664 = 3438pa
Regards, Snowyb