Hi Chelseablue,
Laya Simply Connect is a very good option, with 3 levels of hospital covered - public,private and hi-tech cover.
Good outpatient day to day cover included, 1 euro excess, max refund 300 per person per year.
2 adults x 999 = 1998
2 children x 239 = 478
19 yr old = 499
Total family price; 2975
Note; there is a 3% charge if you pay monthly or by installments. Revised total including 3% charge = 3062.
To reduce costs further, a good alternative for the 19 yr young adult is VHI Plan PMI 31 12; price 405pa including day to day cover or
VHI One Plan; price 371pa no day to day cover.
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Simplicity plan is also a good option, but the day to day cover has 100 euro excess, which means the first 100 expenses are not allowed.
An ideal day to day excess is 1 euro. Worth considering, slightly more expensive than Simply Connect.
Regards, Snowyb