Hello. Can anyone advise best policy please? We are a family of 4 - both in early 40's and 2 small kids under 4 & 8. Have been with VHI 2 x adults on the PMI 40 15 plan 2 x kids on the One plan family Annual cost was €2,390.64 or €199.02 per month Renewal has just come in at slightly more... Annual cost was €2,403.54, or €219.84 p/m I rang and asked could they bring it down a bit...best they could do is move one adult to a 'Company Plan' which will reduce overall cost by €70 Would like to stay with VHI, but is this really our best option priceless? We have no health issues. I'll never understand having to insure kids as there are no private kids hospitals right? Do we need them insured? I have a minor laser day case booked for December which is why I was advised not to change my current level of cover - in case it affects it they said..? Thanks.