Hi Betty Murphy,
Welcome to AAM. The VHI Health Access plan is the best option which ticks the boxes in your case.
The only 3 differences compared to Forward Plan Level 1 are; no day to day cover, 125 excess on admission or day case in a
private/hi-tech hospital and dropping private room cover.
These are very minor differences overall, the savings achieved will cover a lot of day to day medical expenses, also a private room is never guaranteed even if you have cover.
On the plus side, there is full cover for orthopaedic surgery in private/hi-tech hospitals. Also, there is level 2 cardiac Tavi cover in hi-tech hospitals
included on this plan.
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Regards, Snowyb