Mrs Vimes,
If you want all public hospitals covered. The following options are worth considering;
Adults;
VHI One Plan Starter; price 539pa; all public hospitals covered.
Children;
VHI One Plan Family; 156pa per child; all public hospitals covered.
Total family price; 539 + 539 + 156 + 156 + 156 = 1546 (VHI charge for max of 3 children).
For the 4th child you can choose any VHI plan, as its free;
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If dropping cover for Mercy and South Infirmary hospitals is not an issue, then VHI Startplan is worth considering.
You can mix and match to suit, for example choose full cover for the adults 539 each and Startplan for the children to reduce costs.
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Regards, Snowyb