We are both a retired couple and just received renewal papers for above plan at cost of 3639 euro for 2015 compared with 3410 for 2014. We are one of the many oldies who wish to stay with VHI and are wondering if any other of their plans would be cheaper with much the same cover. Incidentally the opening sentence in the letter from VHI says "Thanks for renewing your renewing your policy with VHI" and concludes with "Thanks again for your business". Does this give the impression that the matter of renewing has been finalised?