Hi just looking for some advice. My vhi policy is due for renewal 1/9/16.myself and my husband are on pmi 37 13.the 5 children ages 17 to 11 are on nurses select.I was paying 200 a month and now the renewal is221.33 monthly.just wondering re other options that would keep monthly payment at 200 at most.want north west independent private hospital included in cover. V hi tends to be best value for us with 5 kids as no4 and 5 free. cadiac cover and orthopaedic cover would be good for adults. No existing conditions .thanks.