Hi Offaly Exile,
Laya would have best alternative options, as they are not strict regarding day case excess changes - normally a two year wait would apply before a lower excess comes into effect. Laya apply the new lower excess straight away.
Adult Option
1. Simplicity Plan; price 1087pa, same hospital cover as before( including extra cover, private room in a private hospital), max hospital excess
100 x 2, day case excess 50 per private hospital visit, good day to day cover, 100 excess, 50% refund for consultants etc.
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Daughter Option
1. Simply Connect Plus; price 277pa, better hospital cover than before, max hospital excess 150 x 1 per year, lower day case excess 50 per visit - this will make a big difference to her, good day to day cover 50% refund for consultant visits etc - max day to day refund 500 per year per person.
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The above prices apply from 1 March 2016.
Regards, Snowyb