Yes, you're totally correct. TAVI cover is the only loss of cover on PMI 42 15, plus the 80% hip/knee replacement surgery.
These differences have been highlighted and explained in numerous previous posts, which I'm sure you've come across already.
Regarding the day to day cover, if they are under 65 yrs, VHI impose a 1 year waiting time before these extra benefits can be used.
If they are age 65 yrs or older there is a 2 year waiting time applied to these extra day to day benefits.
You never lose cover while waiting, they would stay on Healthplus Extra day to day cover until the waiting is served.
Hospital cover is the same so no waiting applies.
There is an extra hospital benefit on PMI 42 15, in respect of cover for a private room in a private hospital - just 50 euro per night.
This extra is not on Healthplus Extra, so if they wanted to use this new cover, there would be a 2 year wait only for any pre-existing illnesses.
This extra cover would apply straight away for any new illnesses in the future.
This a minor detail in the overall scheme of things, a positive extra to be aware of in the future.
PMI 42 15 is a very good plan overall that ticks all the boxes, including no excess for hospital admissions or day case.
An alternative plan including a small excess 75 per admission or 50 per day case is PMI 41 15, price 1356pa.
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Regards, Snowyb