I am trying to assist a close relative couple in their late sixties with health insurance renewal. They are currently on Laya Assure Vitality, they have been reducing cover as prices increased. They both hold full medical cards. One has well managed Type 1 Diabetes, the other no significant health problems and both attend for regular check ups and screenings so hopefully anything that requires treatment is caught early. Obviously they are looking for the best value plan for their needs. They would like private hospital cover but it's not essential. They live in the West, so Galway is the closest private. No sign of heart disease or joint replacements needed just yet. What are their best options? Do they need to consider now moving to a higher cover plan to serve waiting periods for when they are older and these things might be an issue? I think they are ok with a high one off excess on a plan as they would have savings to cover that if required. Thanks in advance for any assistance.