ImARebel,
The following child plans are worth considering at lower prices;
1. VHI One + Plan; price 209pa; all public, private and 3 hi-tech hospitals covered; private/hi-tech excess 125 per admission and day case
procedure. There is no excess to pay in any public hospital. All childrens hospitals are public hospitals but also the 3 hi-tech hospitals in Dublin
offer a range of childrens surgery for over 3 years of age;
2. VHI One Plan 150; price 185pa; all public, private and Beacon hospital covered; private hospital excess 150 x 2 max per year for all
admissions and day case excess 150 per procedure. There is no excess to pay in any public hospital.
3. VHI One Plan Starter; price 115pa; alll childrens hospitals are public, this plan covers all public hospitals.
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The Laya special offer for kids (pay for 1 and the rest go free) would not work out to your benefit, because at least one adult must
pick a Laya plan. This will not be cost effective for you because of the LCR loading.
It would only be cost effective if you choose VHI One + Plan. For option 2 or 3 it is cheaper to go with VHI.
Childs Plan Essential Health 300; price 234 (total for all children).
Adult plan; Essential Health 300; 895 + 180 LCR = 1075
Total price; 1309 + 3% charge 39 = 1348
VHI price based on cheapest childs price;
Child One Plan Starter; 115 x 2 = 230
Adult One Plan 250; 832 + 166 LCR = 998
Total Price; 1228
Total price if you choose VHI One Plan 150 = 1268
Total price if you choose VHI One + Plan = 1416
Regards, Snowyb