Hello Subtitle,
VHI Plan PMI 14 11 is a very good alternative to your current plan.
It ticks the relevant boxes that you and your husband require without compromising on overall cover.
Just to highlight there is no cover for Cork Mater Private and Galway Clinic, recent change, just in case it matters.
Substantial savings overall too.
Your second choice Plan PMI 26 12 loses some hi-tech cover, so for that reason alone, PMI 14 11 is a better option.
PMI 26 12 has slightly better outpatient cover, but as you already have medical cards, this is no advantage to you overall.
PMI 14 11 outpatient cover would be sufficient for your needs.
As you mentioned you're both happy to gamble on a 75e excess, which is fine.
Just to highlight that you can each choose a different plan with VHI, to suit your individual needs, if you wish.
So if your husband wanted to pick a plan with NO excess, the following plans with VHI are also worth considering;
1. Plan PMI 30 12; price per adult; 1104pa; public,private and hi-tech hospital cover NO EXCESS, VERY LIMITED outpatient cover.
2. First Plan Plus Level 1; price per adult; 1191pa; public,private and hi-tech hospital NO EXCESS, similar outpatient as your current plan.
www.hia.ie/ci/comparison/step3?82&314&77/
You could still choose a plan with a 75e excess.
I showed these alternatives to show the full range of options.
If you're both happy to go with the 75e excess options, that's your own decision, whatever you're both happy to go with.
All the best,
Snowyb