Just to clarify, you would not lose any benefits if you were to switch from Health Plus Extra to any of the above recommended plans with VHI.
Also, you would not have to wait for 2 years longer before you could claim for orthopedic surgery or for any other type of surgery. In-patient waiting times only apply if you are upgrading your plan, which is not the case in this situation. Your in-patient waiting times were served when you first took out health insurance years ago.
There are extra out-patient benefits ie ( GP Visits,consultant fees ) on Company Plan Extra Level 2 and Plan PMI 05 11. Waiting times may apply to this part of the policy only, if you are 50 yrs or older.
Out-patient waiting times are as follows:
Under 50 yrs: No waiting applies, immediate cover.
Age 50 -54yrs: 26 weeks waiting time applies.
Age 55 - 64yrs: 52 weeks waiting time applies.
Age 65yrs & older: 104 weeks waiting time applies.
If a waiting time applies to you, you can still claim out-patient expenses under your previous plan while waiting, ie (Health Plus Extra).
Snowyb