Can I ask one of the experts on here about an alternative to glo health better plan. Doesn't matter which insurer. Current premiums are 1272 per adult and 308 per child. Just want cover for private bed in all public hospitals. Don't mind some excesses on blackrock, hi tech hospitals etc. has a look at the hia website but when I compare its mainly giving me plans that exclude cappagh, why I'm not sure ?? Please help ! Would like something under or around 1k per adult.