Hi margaret1,
Children can stay with VHI on their own, an adult can be named on the policy but only the children are insured.
One Plan Family - 139pa or Parents and Kids Excess 143pa are better options to consider for the kids.
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I don't know how many children you have, I'm wondering if Laya's offer at the moment would be of benefit to your situation.
The offer covers 7 plans, whereby you pay for one child and the rest are free.
Best plan worth considering as follows;
Flex 125 Explore; price 269pa; (this price covers all kids); public, private and hi-tech hospitals covered. 125 private excess.
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Adult Options
1. Laya Simply Connect; 1063pa; public, private and hi-tech hospitals covered, day to day cover included, max refund 300 per year.
2. VHI One Plan; 1038pa; public, private and hi-tech hospitals covered, 125 private excess, no day to day cover.
3. Laya Simplicity; 1087pa; public, private, and hi-tech hospitals covered, 100 x 2 private excess per year, day to day covered, 100 excess.
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Regards, Snowyb