I am 30, haven't claimed anything on my insurance in years, don't have any breaks, won't be upgrading cover. I am with laya on a basic plan. I have read there are issues/ charges for dropping cover for up to 13 weeks with VHI. The obvious downside is I won't be covered..... but if its an emergency I will be covered the same going public. Given if I restart cover within 13 weeks, I will not be deemed to have broken cover hence pre-existing / time of health issue occurring does not matter. I will keep an eye on plan price increase the end of dec. Any thoughts?