leanbh,
Once you renew within 13 weeks you will not have to re-serve waiting times again, like a new customer.
For the two adults, Flex 500 Explore is the best option at the moment.
VHI have best value for children at the moment, half price offers and the 4th child goes free. Plans worth considering as follows;
1. One Plan 150; price 122 per child; (322) public, private and Beacon hospital cover. Excess 150 per admission or day case in a private/hi-tech hospital.
2. One Plus Plan; price 137 per child;(411) public, private and all hi-tech hospitals covered, excess 125 per admission or day case.
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Note; children can be insured with VHI on their own, an adult is just named on the policy but just the children are insured.
Regards, Snowyb