Irish Independent: Your Questions: Can I upgrade my cover now or do I have to wait until my renewal date?

According to Dermot Goode of TotalHealthCover.ie – if your policy is with VHI, you are locked into this contract until your next renewal date, and the provider will not permit any changes, even if you are looking to upgrade cover. On the other hand, Irish Life Health and Laya Healthcare both permit mid-year changes for members who want to upgrade or downgrade their coverage.

https://www.independent.ie/business/personal-finance/your-questions-what-are-the-tax-implications-if-i-give-my-child-money-38370058.html