My elderly parents are paying €1200 a year to VHI for a very basic policy that basically covers nothing, apart from semi private in a public hospital. My mam needs to see a respiratory consultant and I fear he may ask her to stay in for a few days of testing. She has no cover for this in a private hospital and I don't want her going on public list as it'll take too long. So could I switch them onto a policy that even covers semi private in a private without that 2 year upgrade rule? I thought I read of some health insurance company offering this but am not sure. We don't mind having to pay an excess. Thanks