I have renewed with Laya the past few years with the Simplicity policy. 2 adults 62 yrs old. No pre existing conditions . I read that it’s a bad idea to stay on the same policy but whenever I’ve checked the past two years, Simplicity seems to fit what we’re looking for and couldn’t see a more suitable one for us. We’re getting older and I really want to make sure we’re getting best bang for buck. Renewal 4K for two. Not worried too much about having excess or day-to-day cover but want good Ortho and private hospital cover. Could anyone help please with alternative/ better cover. Thanks