Hi deisechic,
Welcome to AAM. First of all, the advice for the children is correct and the best option on One + Plan.
Secondly, for yourself there is an alternative cheaper option, if day to day cover is not that important. Details as follows;
VHI PMI 44 16; price 1115pa; all public, private(including a private room) and 3 hi-tech hospitals covered, private excess 150 per admission
or day case. Limited day to day cover.
VHI PMI 43 16 plan is a very good plan, including day to day cover if that matters to you.
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Thirdly, for your husband, Laya healthcare are best value for orthopaedic cover. A similar alternative plan with full orthopaedic cover in private
hospitals is as follows;
Essential Health 300; price 932pa; all public, private and Beacon hospital covered. Private excess 300 x 2 max per year and 125 excess per
day case.
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Regards, Snowyb