Hi Deisedoyle,
Welcome to AAM.
Alternative adult option with Laya, details as follows;
Laya Essential Health 300; price 873pa; public, private and Beacon hospital covered, excess 300 x 2 per year, day case excess 125.
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16 yr old and 10 yr old; Essential Connect Family price 227 for all children included, is best value at the moment, so no change required here.
19 yr old alternative 2 options with VHI, details as follows; Note VHI are best priced for young adults at the moment;
VHI PMI 40 15; price 374pa(19 yr old) public, private and hi-tech hospitals covered, excess 75 per admission, 50 excess per day case.
or
VHI PMI 12 11; price 360pa(19 yr old) public, private and hi-tech hospitals covered, excess 125 per admission or day case.
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Good savings achievable overall.
Snowyb