Have you contacted a broker to see what they have to say are the advantages of VIVAS, then go back to VHI and see what there response is. I got a broker off http://www.goldenpages.ie/search/insurance.html and was happy to go with VIVAS but interested to hear the above comments.
Vivas use broker's to sell their insurance don't they ?? so they may be a little biased.. just make sure when you are choosing, that it's not just based on price, but what you need hospital cover wise , provate hospital cover or if you are happy woth cover for a publice hospital,and not what they tell you what you need.