Hi Lemon2000,
Welcome to AAM. The best value for children at the moment is VHI, which has half price offers until 31st October 2017.
Details as follows;
VHI One + Plan; price 148 per child; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 125 per admission or day case.
Limited day to day - excess for day to day 250 per person on this plan.
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The following plans are worth considering for the 2 adults;
1. VHI PMI 44 16; price 1112pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 on admission or day case.
Limited day to day cover on this plan. This plan fully covers a private room in a private hospital as before( Be Fit 2.1).
2. VHI PMI 43 16; price 1171pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission, 50 excess per day
case. Good day to day cover included on this plan, 1 euro excess.
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NOTE; VHI allow children to be insured without an adult if you want, an adult is just named on the policy but only the children are insured.
The following Laya plan is worth considering which has a higher excess for private hospitals. Details as follows;
3. Laya Control 450 Connect; price 971pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech inpatient excess 450 per admission.
Day case excess 125 per visit. Limited day to day cover on this plan. Private room in a private hospital covered on this plan.
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Good savings to be achieved without compromising on hospital cover.
Regards, Snowyb