Hi, would love some advise 2 adults on pMI 4015 and child (age 3 in feb) on one plan family. Husband will need hip replacement, served pre existing wait. Upgrading to 100% ortho cover very expensive, extra e800 pa and further 2 yr wait. Any plans with comparable cover maybe incl blackrock/mater for ortho on husband plan. I would like some physio cover, vhi suggested 41 15.