I am considering renewing for 3rd year in a row with Laya Simplicity plan. I’m concerned as staying with the same plan goes against any advice I’ve heard on health insurance but I check every year and it seems the best. I’m aged 60, possibly in line for Ortho treatment (hip) in future years. Simplicity covers Mater Private Cork - near me. I was willing to increase my budget but looked at Simplicity Connect/Ideal but they don’t offer me any improvements in hospital cover. I don’t mind excesses ( not per night ones hopefully) and not concerned about day-to-day. Is there any other plan that would offer me better inpatient cover for a bit more or is Simplicity a solid enough choice (again)?