Okay, done a bit of research, policy is due on 1/1/15 and, with the help of Lyons got a quote for €1413 for Aviva compared to nearly €1,700 with Laya incl. charge for instalments. I'm more interested in outpatient cover, but also want fairly decent inpatient benefits. AFAIK these plans compare well, but just want to check with those here in "the know" if I'm missing anything blindingly obvious by switching?