Hi NOAH,
If cover for a private room in a private hospital is important, Simplicity is the best option.
If private room cover is not a major priority, then Simply Connect @ 1100pa is a good option.
These are the 2 plans I consider at every renewal date.
I am also on Simplicity at the moment, and considering switching to Simply Connect soon.
Similar equivalent with Irish Life is 4D Health 2, price 1213pa; private room not fully covered in a private hospital.
Note; a 2000 co payment applies to hip or knee replacement surgery in a private or hi-tech hospital.
This surgery is fully covered with no excess to pay with Laya.
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Regards,
Snowyb