roncondon,
Firstly, the quote you have at the moment is for 12 months based on the above figures.
Also, Flex 500 Explore plan is best value for that level of hospital cover including all public, private and 3 hi-tech hospitals.
Cheaper priced plans would only cover public hospitals, such as Laya Assure Protect plan, price 502per adult.
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The children's plan Flex 125 Explore, price 319 for 3 children, is best value for that level of cover.
Hope this helps, Snowyb