Hi claddagh,
Welcome to AAM. VHI are most competitive on price for young adults and children at the moment.
Child;
Best child option from 1st March 2017 is VHI Parents and Kids Excess; price 157pa; all public,private and 3 hi-tech hospitals covered, excess 75 for admissions or day case in private hospitals.
or
VHI One Plan Family is also half price @ 152pa; only difference is the excess 125 per admission or day case.
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Young Adult 18 yr old;
Best young adult option is VHI PMI 40 15; price 374pa; all public, private and some hi-tech cover. Excess 75 per admission or day case.
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Adult Options
1. Laya Flex 175 Explore; price 953pa; all public, private and 3 hi-tech hospitals covered. Excess 175 per admission, 75 per day case.
2. VHI PMI 40 15; price 1081pa; all public, private and some hi-tech cover. Excess 75 per admission or day case.
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NOTE; Both the young adult and child can be insured with VHI while the adults can with any provider if you want.
Snowyb