Hi di74,
Flex 500 Explore is a very good plan, which covers all 3 levels of hospital cover, public, private and hi-tech. It is the cheapest plan available
covering 3 levels of hospital cover. There is a further 10% discount on this plan if you buy online at the moment. Price including discount 595 per adult.
I would recommend leaving the 2 children with VHI, and put them on VHI One + Plan, half price at the moment 131 per child. VHI allow children on a plan on their own, an adult is named on the policy but only the children are insured.
So, the overall family price will be 595 x 2 + 131 x 2 = 1452.
Alternative Laya plans for adults as follows; same hospital cover, lower excesses.
1. Flex 250 Explore; same as Flex 500 Explore, lower excess 250. Price 759 including 10% discount.
2. Flex 175 Explore; same as Flex 500 Explore, lower excess 175, price 953 ( 10% discount does not apply to this plan) a price freeze for 2 years applies to this plan until 2018.
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Regards, Snowyb