I am on teachers plan which is due for renewal soon so I need to start looking now. I'm looking for something with no excess and good cover as I've a serious chronic illness. No excess is very important to me as if I became unwell I might have quite a few admissions. I might also like to increase day to day cover if it doesn't cost too much. I don't really want to spend too much more on it. Ideally I'd like to stay with VHI. As I've always been with them. I am over 50 any suggestions appreciated. Thanks.