R. Moore,
Laya Flex 500 Explore would have better cover than VHI One Plan 500, especially regarding orthopaedic cover in private hospitals and hi-tech hospital cover overall. They are very similar in price so I would stay where you are.
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Regarding the 14 and 20 yr old, the 2 best value options are with VHI.
14 yr old; One + Plan; price 137pa; all public, private and hi-tech hospitals covered, inpatient excess 125 per admission or day case.
20 yr old; PMI 12 11; Price 349pa; all public, private and hi-tech hospitals covered, inpatient excess 125 per admission or day case.
Alternatively, if price is still an issue One Plan 150 would be a better option for both 14 and 20 yr old compared to One plan 500. This is based on price but also the inpatient excess for admissions to private/hi-tech hospitals.
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Regards, Snowyb