Looking at my mothers cover. She’s on Health plus Access - since old plan B. Never needs day to day . 87 years old. Looking at advice on this forum from last year I am considering PMI 40.15 or company plan plus level 1.3 as options to reduce price but keep with VHI and keep inpatient private cover. No elective surgeries likely. Don’t mind excess. Another plan PMI 37.? Was suggested too but may be discontinued as can’t see on comparison site. Any advice appreciated.