Regarding VHI PMI 41 15 plan, any public hospital is fully covered including a private room, also no excess of 75 or 50 applies to any public
hospital.
The 75 excess applies to private or hi-tech hospitals for every admission (or stay) and 50 for each day case cover which you mentioned correctly.
This plan fully covers you for a semi-private room(shared room) in a private hospital, and if you want a private room there is a balance to pay per night.
You would be covered upto the semi-private rate, with a shortfall to be paid per night for a private room, this amount would depend on the hospital involved and could be 200 - 300 approx.
The VHI PMI 42 15 plan has no excess to pay for admissions or daycase in private or hi-tech hospitals.
Likewise, you would be fully covered for a semi-private room in a private hospital. If you want a private room, you just have to pay 50 euro shortfall
per night.
Laya Simplicity fully covers a private room in a private hospital.
An excess of 100 applies for just 2 admissions per year, regardless of how many admissions you may have.
A day case excess of 50 euro applies for each day visit to a private or hi-tech hospital.
An alternative Laya plan with no excess to pay, plus full cover for a private room in a private hospital, is called Total Health Select, price 1929pa.
Good day to day cover included in this plan also.
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Hope this explains things more clearly.
Snowyb