Hello, I'm renewing Health insurance for myself and three children (aged 11, 9 and 4) in February. We are currently on Laya Essential Health 300. I was considering improving our plan to include everyday health costs, but only if the premium didn't increase significantly as we don't visit the GP very much on average. I went to the HIA website but I really didn't have much luck, there are just too many policies to choose from. Renewing with Laya would mean that I only pay for the first child (at least on the current policy) but I don't see any obvious 'deals' like that from other providers. Due to a mild existing condition, any major hospitalisation would be to Crumlin for the children and James' for me but minor day cases might be any where. Would appreciate any advice as I am feeling overwhelmed here! Thanks.