Hi Norman,
A good all round policy for both of you is as follows;
1. Laya Flex 500 Explore; price 661pa; public, private and hi-tech hospital cover included, 500 hospital excess per admission to a private or hi-tech hospital for surgery, day case 150 for private or hi-tech hospital. No excesses apply to any public hospital.
Note; there is a further 10% discount per person at the moment if you buy this policy online.
Alternative public hospital only plan at a cheaper price as follows;
2. Laya Assure Vitality; price 464pa; public hospital cover only.
Note; the extra 10% discount per person also applies to this policy also.
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Regards, Snowyb