Monbretia,
There is no better priced plan with similar cover to Laya Simply Connect at the moment. The big deal is that it is not going up in price on 1 Nov 2019.
That in itself is a plus. Regarding the children switching to Irish Life Nurture Plan 170 per child, the options for an adult are not cheap. The nearest
'equivalent' plan is Irish Life 4D Health 2 @ price 1262pa. This would be a 100 euro difference per adult including the 3% credit charge with Laya.
There is free travel insurance on this plan with Irish Life at the moment.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Alternative options for the children are available with VHI. So you could stay with Laya if you want, as Vhi allow children to be insured on their own.
1. VHI One Plan 250; price 193 per child; all public, private and some Beacon cover, max excess 250 x 2 per year for all admissions. Limited day to day.
2. VHI One Plan 150; price 197 per child; all public, private and some Beacon cover, max excess 150 x 2 per year for all admissions. Limited day to day.
3. VHI One + Plan; price 225 per child; all public, private and 3 hi-tech hospitals covered, excess 125 per admission or day case procedure. Limited
day to day cover. No excess to pay in any public hospital.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
Regards, Snowyb