Xraylady,
The options already chosen for the 14 yr old and the 23 yr old are still best value.
An alternative option for the 2 adults is Laya Simply Connect @ 1100pa. Similar enough to Simplicity plan. But if full cover for a private room
in a private hospital is important, then Simplicity is the better option.
Note; a hip/knee replacement surgery is fully covered in all hi-tech hospitals, this means no excess or shortfall applies.
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Regarding the new VHI incentive, you can set up an annual direct debit, which means you pay the lump sum as a one off payment by direct debit
if you want to avail of the extra 50 euro cash back.
Regards, Snowyb