Hi Steelstown,
The hospital cover is identical on both plans so if you do switch to PMI 41 15 there will be no waiting for surgery or treatment.
Regarding the optical cover, if you are under 50 years the extra optical cover will apply straight away, no waiting.
If you are over 50 yrs and under 65 yrs, VHI will impose a 1 year waiting time for the extra optical cover.
If you are over 65yrs, VHI will impose a 2 year waiting time for the extra optical cover.
Just something to be aware of when switching.
Laya Healthcare have no waiting times for outpatient cover, regardless of age, even if you are upgrading outpatient cover.
The following plan is worth considering as an alternative to PMI 36 13 or PMI 41 15;
Simply Connect Plus plan; price 1099pa; similar hospital cover as before, max private/hi-tech hospital excess 150 x 1 per year, private/hi-tech day
case excess is 50 euro per visit, good outpatient cover - max total refund per year is 500, optical cover on this plan is 50% refund(upto 500 max) each year. I'm not sure if this works out to your advantage based on your optical expenses.
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Regards, Snowyb