Ryan,
A slightly cheaper plan with identical cover with VHI is Company Plan Plus Level 1.3, priced at 1128 per year.
Regarding outpatient benefits changing from a set amount per visit to 50% refund per visit, I would be inclined to be in favour of the
50% refund. This is an advantage if your consultant visit is more than 120 per visit, as the previous refund with PMI 43 16 was set at 60 per
visit.
Another option with similar cover with Laya is 'Simply Connect; price 1100pa.
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Snowyb