Germaine,
Yourself;
I would recommend the following VHI plan for yourself, very similar price to your current plan, but much better cover all round. This plan includes good day to day cover - 50% refund for gp visits, consultant visits, dental etc. which is not covered on PMI 40 15. Details as follows;
1. VHI Company Plan Plus Level 1.3; price 1128pa; all public, private and 3 hi-tech hospitals covered. Private/hi-tech hospital excess of 150 per
admission, day case excess 50 euro per day case procedure in a private or hi-tech hospital. There is no excess to pay in any public hospital.
Good day to day cover included 50% refund for gp, dental, consultant visits, etc.
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Husband;
The following VHI plan will suit your husband, details as follows;
1. VHI One Plan 250; price 832pa; all public and private hospitals covered, private hospital excess 250 x 2 max per year or 150 excess per day case procedure. Good savings pricewise on this plan.
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Children;
Similarly, VHI One Plan 250 will suit your 2 children also, to make more savings if you decide to still cover them.
The main reason for insuring children is to avoid the public hospital waiting lists for surgery etc.
Price per child 179pa. Comparison in the following link;
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Regards, Snowyb