anseo,
Firstly there is no waiting time involved for day to day cover, even if it is upgraded cover.
From the choices you mention, I would be inclined to go for Laya Simply Connect.
I included a couple more options to consider, in the following link;
1. Laya Precision 150 Create; price 1159pa; hospital cover same as before, better day to day cover. 30 refund per physio visit, gp etc.
2. Control 300 Create; price 1181pa; better hospital cover including full cover for a private room in a private hospital, 3 hi-tech hospitals covered,
Better day to day cover, 30 per physio visit, gp etc.
3. Laya Inspire plan; price 1140pa; better hospital cover and better day to day cover, 50% refund for gp, consultants etc.
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCwxMTgxLjk2XSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzEzNjUsMTM4NSwxNTI5LDE1NDRdLCJwbGFucyI6eyJkYXRhIjpbXSwibG9hZGluZyI6dHJ1ZX0sInBsYW5zU2VsZWN0ZWREYXRhIjpbXSwiYXBwbGljYXRpb24iOnsidG9nZ2xlX3Njcm9sbExvY2siOmZhbHNlLCJwbGFuX2RldGFpbF9pZCI6LTF9fV0=
Regards, Snowyb