Xraylady,
Simplicity plan is a very good all round plan that ticks all the boxes regarding hospital cover. This plan will provide all the cover you need
regarding private hospital cover, including full cover for a private room. I am on this plan myself as it happens.
The best value for a child at the moment is VHI One + Plan, price 148 per child.
Likewise VHI is also best value for young adults, Plan PMI 40 15, price 625pa.
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Regards, Snowyb