Hi Noddy12,
Welcome to AAM.
There are a few alternative options to consider, with similar cover and lower price or extra cover at a better price, as follows;
Whatever company you choose to go with, will pay the bill for treatment received on renewal date.
1. Select Plus; 854pa; similar cover as before, selected public, selected private and Beacon hospital cover, lower excess 150 per inpatient claim or day case. Full maternity cover. Limited day to day cover.
2. Select More; 950pa; all public, private and Beacon hospital covered, inpatient private excess 150 per claim, 75 per day case visit, full maternity cover. Limited day to day cover.
3. Control 300 Create; 972pa; all public, private and 3 hi-tech hospitals covered, inpatient excess 300 per claim, 125 per day case visit, full maternity cover, good day to day cover with a 1 euro excess.
[broken link removed]
Alternative options for 3 year old - note only VHI allow children to be insured without an adult, an adult is just named on the policy but just the child is insured. So depending on the company you choose, could determine what options are open to your 3 year old; VHI is the best value at the moment for children;
1. VHI One Plan Family; price 152pa; all public, private and 3 hi-tech hospitals covered, excess 125 per admission or day case. Limited day to day cover.
2. Select Plus; price 240pa; see details above.
3. Select More; price 260pa; see details above.
4. Control 300 Create; price 240pa; see details above.
5. Simplicity; price 256pa; all public, private and 3 hi-tech hospitals covered, inpatient max excess 100 x 2 per year, good day to day cover - first 100 not allowed.
[broken link removed]
Regards, Snowyb