apeking,
Best options with VHI as follows including day to day cover for adults but dropping day to day for children;
Adult option
1. VHI PMI 43 16; price 1171pa; all public, private and 3 hi-tech hospitals covered; private/hi-tech excess 150 per admission, day case excess
50 per procedure. Good day to day cover included 50% refund for gp, consultants etc. Access to VHI Swiftcare Clinics included.
Child option
2. VHI One + Plan; price 148pa;(half price offer) all public, private and 3 hi-tech hospitals covered; private/hi-tech excess 125 per admission
or day case. Limited day to day cover on this plan, access to VHI Swiftcare Clinics included on this plan.
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If you want you can switch the children to VHI One + Plan to make savings, as VHI allow children to be insured on their own without an adult,
if you want to stay with Laya.
Regards, Snowyb