marie c,
The best value for children at the moment, is the half price offers with VHI.
VHI allow children to be insured on their own, an adult is just named on the policy but just the children are insured.
The following plan covers 3 levels of hospital cover, details as follows;
1. One + Plan; price 145 per child; all public, private and hi-tech hospitals covered. No day to day expenses covered.
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With very young children like yours, public hospital cover is all thats needed.
The hi-tech hospitals have childrens wards, but they only deal with children aged 3+.
Regarding your newborn, you are entitled to add a newborn onto your own policy for free until your next renewal date, once its
within 13 weeks of birth. I'm not sure if this timeline has expired in your case yet.
Day to day cover would not be a necessity at this stage as they are entitled to free gp visits for under 6s.
500 per child is way too expensive.
There are plans available including day to day expenses which they could be upgraded to at an older age if required.
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When is your own renewal date and what Irish Life plan are you on at the moment?
Snowyb