hi there, Looking at getting health insurance policy in place for family of 4. Two adults agreed 35 & 36 and two young children aged 1 & 3. Don't need any day to day cover & don't mind high excess. Looking for cover in case something serious happens. Galway Clinic closest to us (we live in Sligo). We had cover up until 2014 but let it go due to loss of job. Open to any provider but all else being equal would go with VHI as that's who we were with before.