Hi Lemon2000,
The following Laya plan would be the nearest adult plan to include day to day health costs. There is also extra upgraded hospital cover to include
the 2 hi-tech Dublin hospitals. (Blackrock Clinic and Mater Private). Details as follows;
1. Laya Inspire plan; price 1140pa; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess capped at 150 x 2 max per year for
all private admissions, day case excess 50 per procedure. There is no excess to pay in any public hospital. Good day to day cover included,
50% refund for gp visits, consultants, dental, optical etc. upto a max of 1000 refund per year.
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==
For the 3 children, I would leave them on Essential Health 300, to avail of the special offer - to pay for one child and the rest are free of charge.
There are no similar offers with the other providers.
It would be too expensive to switch them to a plan with day to day benefits, for example Inspire plan @ 284 per child would cost 850 approx per year.
The savings by staying on Essential Health 300 will cover whatever medical expenses they would require.
Regards, Snowyb