Hi Frederick1,
Child Option
Yes, Laya Essential Health 300 is a good value option for the 3 children, where you pay for the 1st child and the rest of the children are free.
1. Laya Essential Health 300; price 256(covers all children); all public, private and Beacon hospital covered; private hospital excess capped at
300 x 2 max per year for all private hospital admissions. Day case excess 125 per procedure. No excess to pay in any public hospital.
Adult Options;
1. Laya Signify plan; price 938pa; all public + private hospitals covered including some Beacon cover. private hospital excess capped at
250 x 2 max per year for all admissions. Day case excess 125 per procedure. No excess to pay in any public hospital.
NOTE: At least one adult has to be insured on any plan with Laya, so as to avail of the Laya's childrens special offer.
In order to make more savings, the VHI plan One Plan 500 is worth considering for one adult, details as follows;
2. VHI One Plan 500; price 780pa; all public + private hospitals covered, private excess capped at 500 x 2 max per year for all private hospital
admissions. Day case excess 150 per procedure. No excess to pay in any public hospital.
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
Regards, Snowyb