Hi Steiner,
Yes, you can switch to another Laya plan mid year with no penalties imposed.
Company Care Plus plan would be an ideal alternative to your current plan. Apart from the savings per month, you would gain hugely from the excellent outpatient cover on this plan. The hospital cover is identical with lower hi-tech shortfalls also.
Regarding your concerns about outpatient radiology, the only impact on you would be a positive one. With your current plan, your x-ray costs would have to be higher than 220pa before you are in a refund position.
With Company Care Plus, you are in a refund position even with just 1 x-ray,
this is because of the 1euro outpatient excess.
MRI scans, PET + CT scans are also fully covered on this plan, in direct payment centres with Laya.
Hope this clarifies things + eases some of your concerns.
Regards, Snowyb