Hi aidan35,
The following VHI plan is highly recommended for the 2 adults and your 18 year old, details as follows;
1. VHI PMI 07 10; price 1188per adult; price 399pa(18 yr old) all public, private and 3 hi-tech hospitals covered, private/hi-tech excess capped at 150 x 1 max per year for all admissions to a private or hi-tech hospital, day case excess 50 per procedure. There is no excess to pay in any public hospital. Good day to day cover included, refund of 50% for consultant visits, gp visits, dental, physio etc.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==
21 and 24 year olds
The following 2 plans are recommended for the 21 and 24 year old, to make savings overall;
1. VHI One Plan 250; price 669pa(24 year old) price 421pa(21 year old); all public and private hospitals covered, private excess capped at
250 x 2 max per year for all private hospital admissions, day case excess 150 per procedure. No excess to pay in any public hospital.
2. VHI One Plan 150; price 730pa(24 year old) price 459pa(21 year old); all public and private hospitals covered, private excess capped at
150 x 2 max per year for all private hospital admissions, day case excess 150 per procedure. No excess to pay in any public hospital.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==
Plenty of savings to be achieved without losing cover.
Regards, Snowyb