I've sifted through a lot of posts here which have been very helpful so far. But I'm still no closer to trying to decide which VHI plan would be suitable for my family. My partner is turning 35 in 2 weeks so we're trying to secure health insurance before then. I'm 33,and we have two children aged 1.5 and 3.5. We are thankfully all in good health, but want something that would cover the kids if they got ill, say needing tonsills out for example and access to consultants. Taking the above as an example, for tonsills to be removed, would the insurance cover this operation in any private hospital and we'd only pay the excess? The price of health insurance seems to be sky high, with not much return or benefit. Any advice on a suitable plan for our family requirements?