Juggler,
Welcome to AAM.
There are a couple of options to consider to reduce costs. Details as follows;
Husband
I would recommend husband stays with Laya as they are best priced for Mater Private etc. If day to day cover matters to him, there is a better
plan worth considering;
1. Control 300 Create; price 1076pa; all public, private(including private room) and all hi-tech hospitals covered, inpatient excess 300 per admission. Good day to day cover, 1 euro excess, 30 refund per GP visit, 80 per consultant visit, dental etc.
2. Flex 250 Explore; price 949pa; all public, private and hi-tech hospitals covered. No day to day cover.
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Wife - yourself
There are 2 companies to consider, Glohealth or Laya.
Glohealth Options; There is a very good selection of private hospitals covered on these 2 plans.
1. Kick Off Plus; price 825pa; public, selected private hospitals, just Beacon hi-tech hospital cover(No Mater Private or Blackrock Clinic).
Inpatient excess 300 per admission, day case 75 excess.
2. Nurture Plan; price 890pa; public, selected private hospitals, just Beacon hi-tech hospital cover(No Mater Private or Blackrock Clinc).
Inpatient excess 300 x 2 per year. Day case excess 75.
LAYA Option
3. Flex 250 Explore; price 949pa; all public,private and hi-tech hospital cover included, inpatient excess 250 per admission.
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Childrens Options
There are 2 companies to consider, Glohealth or VHI.
Glohealth Options;
Glohealth have a promotion for 'Nurture Plan' children under 12 price 100 each. For children 12 yrs or older, Nurture Plus Plan is 140 per child.
VHI Option
One + Plan; price 137pa; public, private and hi-tech hospital cover. Inpatient excess 125 per admission to a private or hi-tech hospital.
NOTE; Children can be insured with VHI without the adults if required. An adult is just named on the policy but just the children are insured.
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Hope this helps with your selections.
Snowyb