My friend has just renewed her policy on the above plan its approximately 3K Euro per year. I think this is very expensive. I am on Laya Total Health myself and I seem to have a few more benefits re outpatients etc. She is afraid to move as she had Heart Surgery a number of years ago and a Knee replacement last year. Is there any Irish life policy that was cheaper than the Hospital Level 2 with somewhat simily cover? I may be able to get her to change to another Insurance Company on her next renewal. For now she would prefer to stay with Irish life.