Under Plan B Excess you have full cover for a semi-private room in most private hospitals* subject to a €75 excess. The €75 excess does not apply to treatment received in public hospitals, maternity claims or courses of cancer treatment. Full cover means that the hospitals and doctors providing your treatment are listed as 'Fully Participating' with Vhi Healthcare. To ensure you have full cover contact us on CallSave 1850 44 44 44.