Chicci,
Laya Options
Laya have a special offer for children, from 1st January 2020.
You pay for the 1st child and the rest of the children go free, within a choice of 3 plans.
The only slight drawback is, these 3 plans don't have great day to day cover, the excess is too high to achieve a refund.
The positive side is that the savings on price will cover a good few medical expenses ie physio visits.
The cheapest option 'Essential Health 300' @ price 256 for all children, is the best option as there is not much day to day on the 3 plans.
Flex 125 Explore @ price 374 for all children, will cover the Blackrock Clinic and Mater Private, if hi-tech hospital cover is important.
Details as follows;
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
Irish LIfe Alternative Options - Children cannot be insured with Irish Life on their own, an adult must also be insured on the policy.
Adult; Benefit Plan; price 965pa;(price 1st Jan) all public, private and Beacon hospital covered, (Blackrock Clinic + Mater Private not covered), private hospital excess capped at 200 x 2 per year max for all admissions, day case excess 125 per procedure. No excess applies in any public hospital.
Very limited day to day cover on this plan.
Child Offer; Nurture Plan; price 190(from 1 Jan) selected list of public and private hospitals covered. The 3 childrens public hospitals in Dublin are
covered on this plan. You would need to check both lists to ensure they suit your location. Very limited day to day cover on this plan but the savings
overall will cover some medical expenses.
https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d
VHI Options - Note; VHI are the only provider who allow children to be insured on their own without an adult on the policy.
1. VHI PublicPlus Care Day to Day; price 143 per child; Just public hospital cover on this plan, NO private hospitals covered on this plan.
There is some day to day cover included on this plan, ie physio 3 visits X 20 per visit.
2. VHI One Plan 150; price 197 per child; all public and private hospitals covered + some Beacon hospital cover. Private excess capped at 150 x 2
max per year for all admissions, day case excess 150 per procedure. No excess applies to any public hospital. Limited day to day cover.
3. VHI One Plus Plan; price 225 per child; all public, private and 3 hi-tech hospitals covered, private/hi-tech hospital excess 125 per admission and
125 excess per day case procedure. No excess applies to any public hospital. Limited day to day cover.
4. VHI Company Plan Plus Level 1.3; price 300 per child; all public, private and 3 hi-tech hospitals covered, private/hi-tech excess 150 per admission.
Day case excess 50 per procedure. Good day to day cover included, 1 euro excess, 25 x 7 visits etc.
https://www.hia.ie/comparison-tool/...vY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
The above VHI plans could be used even just for one child if it suits.
Regards, Snowyb