geriatric,
The plans you are on at the moment are about the best value options overall for your circumstances.
VHI One Plan range will be half price from 1 August 2015, so One Plan Choice for the children will be included.
The only other alternative plan for your wife, is VHI PLAN PMI 37 13, that is if she wanted to drop day to day outpatient cover, to save money. Price 1011 pa.
Otherwise, stay as you are.
That is, unless any new offers come about in the meantime.
Regards, Snowyb