margaret1,
The following VHI plan is worth considering for yourself and the 18 year old;
VHI Company plan plus level 1.3; Price 1128pa per adult; Price; 382pa for 18 yr old; all public, private and 3 hi-tech hospitals covered. Private/hi-tech excess 150 per admission. Day case excess 50 per procedure. Good day to day cover. There is extra hi-tech hospital cover on this plan compared to your current plan.
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Child Option
VHI Parents and Kids Excess Plan, price 153 per child, is a better option for your other child. Lower excess in private/hi-tech hospitals and
extra hi-tech hospital cover. Slightly lower premium.
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You have 14 days after renewal date to make changes if you wish.
Regards, Snowyb