Hi Curamach,
Welcome to AAM. At the moment, VHI are most competitive on price for young adults and children.
I'm not sure what ages the young adults are, but the following plan with VHI is worth considering for the child and young adults;
One + Plan; child price 131pa(half price offer) young adults price depends on their age. Insert age on the following link to see price.
Similar good hospital cover as before, lower excess 125 per private or hi tech admission/day case. No excess payable in any public hospital.
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VHI allow young adults and children only to be insured on a policy, an adult just is named on the policy but only the young adults and child are insured.
For yourself, there is also the option for you to switch to VHI One Plan price 1038pa, same hospital cover as before, lower excess 125pa, no day to day cover.
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However, there is a better option with Laya Healthcare as follows;
Simply Connect plan; price 999pa; public, private and hi-tech hospital cover(as before), 150 x 2 max excess, good day to day cover max refund 300.
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Regards, Snowyb