I have always had my health insurance with vhi, but recently changed to quinn mainly due to the cost, I am now getting it almost €150 cheaper for what I can see as being the same cover that I was getting with VHI I was on plan B options and now its the essential plus (no excess) with quinn. My partner also decided to join as he had no healthcare ins. up to now, so we are saving almost €300 per year, we are in the same age bracket. I got the literature from both companies regarding the similar policies and from what i can see there is little/no difference. I was also given the option with quinn for claiming back 50% gp fees etc if i went with for a similar policy called family care for i think €20/30 extra. just make sure that the hospitals in your area are covered no matter which plan you choose, as when i went to vhi to cancel my policy i was asked to reconsider and try a different plan costing less but it turned out that most of the private hospitals in my area were not covered for some serious illnesses.