Hi
@Starrynights
Thank you for your reply.
Having a change of plan and wondering instead of going for PMI 4810 which I hope has better inpatient cover. Have yet to check out the Table of Benefits regarding excesses on both policies.
I do know that the premium is quite a bit higher but I think that I will have a lot more day to day expenses in the coming year with possibly 2 cataract operations. I understand about the 80% opthalmic rule and wonder if any of the private hospitals are waiving the 20% extra these days?
I have been told by a few people in VHI that the higher cover on the day to day will kick in immediately and that the 2 year upgrade rule does not apply to this aspect of the policy?
Thanks.