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Family savings on health insurance

If you're a young family who needs to chop your health insurance bill this year, you can get your kids half price under VHI's One Plan Family – as long as you sign up by the end of this month.

The offer will chop €268 a year off the €2,603 bill of a family of two adults and two children.

The offer is for children under the age of 18 – any children over that age will be charged the adult rate unless they are in full-time education and under 21 (you'll then pay the student rate). Aviva is also offering a slight discount on its child rates if you sign up to its Family Value plan by the end of this month. You'll be charged €199 per child under this offer – rather than the normal child rate of €255.70. This offer will save the same family €113.40 a year.

Although the savings on your children's insurance work out less with Aviva, the overall cost of cover for two adults and two children is slightly more expensive under VHI's One Plan Family plan than it is under Aviva's Family Value plan.

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