Understood and indeed my preference would also be for semi private room in private hospital, (or indeed greater if I could afford it!), but Cork had already stated that the cover he was interested in was for public hospitals only.
Therefore the debate, as I interpeted it, was about whether to go for a semi private in a public, or a private in a public.
It was on this basis that I would suggest that an extra €10.50 per month could well prove to be worth it at some point in the future. Of course I would agree with you that there is no guarantee of a private bed, but this is only down to the availability of such a bed.
Hence I would rather pay €10 more per month to know that I am entitled to one if one is available, rather than not be entitled to one, should it be available.
Patrick