Hi rooibos,
Welcome to AAM. I'm assuming you are on Glohealth Net More 300 at the moment.
There are a few alternatives to consider with Glohealth as follows;
Adult Options
1. Glohealth Kick Off Plus plan; price 825pa; public and private hospital cover. Excess 300 per private admission.
2. Glohealth Nurture Plan; price 890pa; public and private hospital cover. Excess 300 per 2 private admissions per year.
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Alternative option with Laya healthcare as follows;
1. Laya Flex 375 Explore; price 822pa; public,private and 3 hi-tech hospitals covered, no co-payment for orthopaedic surgery in any private or hi-tech hospital. Private/hi-tech excess 375 per admission. day case excess 125 per visit.
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*Note; a 5% discount applies to this plan upto and including 31 Oct 2016 if purchased online.
Child Options
1. Glohealth Nurture Plan; price 100 per child under 12 yrs; public and private hospital cover. Excess 300 per 2 private admissions per year.
No excess applies to any public hospital.
2. Laya Essential Connect Health; price 160 per child; public and private hospital cover. Excess 75/150 per private admission.
*Note; this price applies only upto and including 31 Oct 2016.
3. VHI One + Plan; price 137pa; public, private and hi-tech hospital cover, excess 125 per private/hi-tech admission or day case.
*Note; this price applies upto and including 31 Oct 2016.
4. VHI One Plan Family will be reduced to 152 per child from 1 Nov 2016; cover same as One + Plan.
Note; VHI allow children to be insured on their own without an adult, an adult is named on the policy but only the children are insured if required.
I don't think Glohealth or Laya allow this, but you could confirm this if it would suit your situation to have the children with a different provider
to save money overall.
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Regards, Snowyb