Hi Marsha25,
VHI are best value for both young adults and children at the moment.
Yourself and your husband can stay with Laya while the 3 children switch to VHI.
18 year old option
1. VHI One Plan 250; price 332pa; all public and private hospitals covered, private hospital inpatient excess is capped at 250 x 2 per year for all
private hospital admissions. Day case excess 150 per procedure. There is no excess to pay in any public hospital.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Other 2 kids options(under 18)
1. VHI One Plan 250; price 193 per child; all public and private hospitals covered, private hospital inpatient excess is capped at 250 x 2 per year for all
private hospital admissions. Day case excess 150 per procedure. There is no excess to pay in any public hospital.
2. VHI One Plan 150; price 197 per child, all public and private hospitals covered, private hospital inpatient excess is capped at 150 x 2 per year for all
private hospital admissions. Day case excess 150 per procedure. There is no excess to pay in any public hospital.
3. VHI One Plus Plan; price 225 per child; all public, private and 3 hi-tech hospitals covered, private or hi-tech hospital excess 125 per admission
and 125 excess per day case procedure. No excess applies to any public hospital.
Note; the 3 hi-tech hospitals are based in Dublin( Blackrock Clinic, Beacon and Mater Private).
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
Vhi allow children and young adults to be insured on their own, without adults on the policy.
There are savings to be achieved overall.
Regards, Snowyb