SharonC,
The nearest plan with better cover is Laya Simplicity, price 1191pa. This plan has extra cover for a private room in a private hospital.
Day to day cover has a 100 euro excess - that means that the first 100 is not allowed.
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Regarding Hospital@Home, this is a follow on care system to continue certain treatment at home so a patient can be discharged from hospital.
I don't have any experience of this cover. Laya healthcare have a similar scheme, I don't have a name for it but its available if required.
A similar enough plan with VHI would be PMI 01 10, price 1588pa.
Note; just to highlight the fact that VHI have 80% cover for hip and knee replacement surgery. A plan with full cover is Healthplus Access,
price 2074pa.
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Regards, Snowyb