get what you're saying - my concern is that I'd be switching to save 200 euro, but then if something did go wrong, suddently you're in trouble. For example I went in for a day procedure 2 years ago, nothing serioius, but bill including scans / consultant etc was 1200+. VHI covered that at source in the hospital, worried that even if something like that happened and there was a problem, suddenly a LOT of 200 euros are gone yknow?
mind you from what I can see - did a side by side on the 2 policys and Hibernian does look as good if not better. Get what you're saying about the claim though, worth weighing up too!