Any upgrades for inpatient benefits will probably having waiting periods, but if you expect these treatments to be done privately in RVEEH, then that wont be an issue (other than shortfalls you currently have ie €55/night). If you have numerous treatments and private consultants, it may be beneficial to seek a good day to day cover as you can claim on these with laya without any waiting periods (to the best of my knowledge). So any increase in premiums may be offset by those claims and you are sitting out your waiting period for better inpatient benefits. Not sure what the waiting period is for one 60+ years of age.
Also be aware that laya are bring in loads of new plans in December, but you wont be able to compare on hia until they become active.
Always double check with the provider before making any switch of policy..
S.