I'm on flex 500 choice with Laya. Booked into sports surgery Santry next week to get 2 injections in my back. The day procedure is covered but I've to pay Santry €500 as per the excess. I believe I can change my plan mid term to a different plan with a €100 or €150 excess, does anyone know if this is true? I'll give Laya a call tomorrow morning anyhow. Could save me a nice few bob if I can.