Hello Snowyb, Firstly, thanks for all your advice to date. My colleague at work is looking at changing his health insurance plan. Currently insured with laya (Assure Vitality) but realises that that he needs to upgrade his level of cover. Living in Cork and would like semi private cover for the private hospital in the area. What can you recommend for someone who's budget is approx €800.00 per year please? Thanks.