Super8,
The nearest cheaper plan is VHI One Plan 250, details as follows;
1. VHI One Plan 250; price 832pa; all public and private hospitals covered; private excess 250 x 2 max for all private admissions or 150 excess per day case procedure.
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For the 2 children, I would wait until the December or January offers are announced. There is usually a price war at this time with half price
child offers worth checking out. These offers are usually announced on the HIA website/ latest news heading in advance.
Regards, Snowyb