Temple,
The cheapest way to add day to day expenses with a 1 euro excess, for the children, is by adding VHI Healthsteps Silver to One + Plan.
Details as follows, I included both Silver and Gold options in the link to compare;
1. Healthsteps Silver; price 84 per child; click on outpatient expenses; 60 x 7 consultant visits, 25 x 7 gp visits, etc 1 euro excess.
2. Healthsteps Gold; price 140 per child; click on outpatient expenses; 75 x 7 consultant visits, 35 x 7 gp visits, etc 1 euro excess.
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For the two adults;
1. VHI PMI 43 16; price 1136pa is a very good option overall, for claiming day to day expenses as well as ticking all boxes for hospital cover.
2. Laya Control 300 Create; price 972pa; all public, private(including private room), and hi-tech hospitals covered, good day to day cover with
a 1 euro excess. 80 refund per consultant visit, 30 refund per gp visit, dental etc.
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Hope this helps.
Snowyb