Hi Cyprus,
Welcome to AAM.
It would be well worth your while to switch the children to VHI as their half price childrens offers continue upto and including 28 Feb 2017.
Vhi allow children to be insured on their own, an adult is named on the policy but just the children are insured. VHI are the only provider that
allow this facility.
Best option details as follows;
1. One + Plan; price 145 per child, all public hospitals(including a private room), all private hospitals and 3 hi-tech hospitals covered,
excess 125 per private/hi-tech admission or day case.
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Net More 300 plan is the best priced plan at that level and is a good option for the adults.
Regards, Snowyb