Hi November 16,
It seems to me that you are that you are paying over the odds on both those plans you have mentioned.
Given that Orthopaedic cover is important to you I would suggest that you give some consideration to the following plans from LAYA
1. Simply Connect Plus
2. Control 300 Create
3. Connect Simplicity
All of the above plans, in my opinion, give better value than your current plans.
These plans have been discussed recently on other threads on this forum. Unfortunately I am not able to provide links to these threads but a little bit of scrolling by you should find them.
I hope this is helpful to you.