VHI Presentation
Transcript of VHI Presentation
A New and Easy Way to Choose Health Insurance
As you go through life your needs change - your health insurance should do the same
• Vhi Healthcare’s new suite of LifeStage Plans provide a convenient and easy way to select or change cover
• 5 Plans available
• All Plans include the hospital cover you need Plus generous cover for day-to-day medical expenses
• Relevant LifeStage benefits
• And competitively priced
• Access to Public and Private Hospitals (excluding Blackrock Clinic & Mater Private)
•Travel Vaccinations - €50 •Accident & Emergency - €60
Day-to-day Medical Expenses Cover
LifeStage Benefits
Hospital Cover
• GP Visits• Dental/ Optical• Alternative Medicine …..and more
For singles or those taking out cover for
the first time
• Access to Public and Private Hospitals (excluding Blackrock Clinic & Mater Private)
• Maternity – Up to €2,500 • Home Births – Up to €2,500• Child Home Nursing – Up to €2,800• Parent Accompany Child – Up to €1,400• Child Counselling – Up to €240
Day-to-day Medical Expenses Cover
LifeStage Benefits
Hospital Cover
• GP Visits• Dental/ Optical• Alternative Medicine …and more
If you have children or thinking of starting
a family
Day-to-day Medical Expenses Cover … comes as standard with every plan
€1Annual Excess
€40 per visit every 2 yearsScreening
€20 per visit (1 every 2 years)Optical Visits
€20 per visit (unlimited)Dental Visits
€20 per visit (max. 12 combined visits p.a.)Alternative Medicine
€20 per visit (max. 25 per person p.a.)Physiotherapy
€20 per visit (max. 25 per person p.a.)GP Visits
Getting something back every yearAnnual Day-to-day Medical Expenses
Example: Family of 2 Adults and 2 Children
€240€380
€60€90€303Complementary Medicine
€40€40€401Health Screening
€20€30€301Eye Test
€40€60€302Dental
€80€160€404G.P. Visit
Vhi Healthcare Benefit
Total CostCost per visitNumber of Visits
Expense Type
Covering over 60% of your families Day-to-day Medical Expenses
Additional Out-Patient Expenses
€6,500Annual Maximum Benefit
€125 per Individual €250 per FamilyAnnual Excess
€500 per yearEmergency Dental
€40 per day up to a max. of €800Home Nursing
Up to €650 (depending on plan held)Pre & Post Natal
Standard benefit and agreed hospital charges
Radiology
Professional & Technical
€20 per referral and agreed hospital charges
Pathology
Professional & Technical
€50 per visitConsultant
• All cardiac, cancer and other specified procedures are available in the Public & Private hospitals covered on First Plan Plus, Family Plan Plus
• Blackrock Clinic & Mater Private are not covered
• Galway Clinic: First Plan Plus and Family Plan Plus cover all treatments except cardiac and other specified procedures* in this hospital
Treatment in the most expensive hospitals
*list available on request
Access to Treatment
• All treatments performed in High-tech Hospitals are
widely available in other hospitals covered on our
LifeStage Plans
• Over 90% of consultants in Blackrock Clinic and
Mater Private have admission rights in other hospitals
Bon Secours
St. Vincent’s Private
Beaumont
Tallaght
St. James’s
Mater Public
Cardiac Treatment
Bon Secours
University College
South Infirmary
Bon Secours
UCHG
Mid-Western Regional
Interventional Cardiology • Growth in interventional treatment e.g. Angioplasty
(stents), requiring less invasive complex heart surgery
• Performed extensively in:-
– UCHG Galway– Bon Secours, Cork– Bon Secours and St Vincent’s Private, Dublin
St. Vincent’s Private
St. Lukes
Cancer Treatment -Radiotherapy
University College Hospital
Radiotherapy services expanded in St. Vincent’s Private with two new linnear accelaterators in 2004/05
Galway Clinic
St. Vincent’s Private
Beaumont
St. Lukes
St. James’s
Cancer Treatment -Chemotherapy
Bon Secours
University College
South Infirmary
Mercy Hospital
Bon Secours
Galway Clinic
UCHG
Mid-Western Regional
And Much More…
• Overseas cover - €100,000 on every Plan• Tax relief at standard rates• Group discount• Student rates• Current concessions will still apply
– Immediate hospital cover– Immediate day-to-day cover (under 50’s)
• Added value services and Special Offers exclusive to Vhi Members– MultiTrip Travel Plan for a little as €49 per annum– NurseLine 24/7 at no extra cost– Vhi.ie for a wealth of health & lifestyle information
• By choosing First Plan or Family Plan you can reduce the cost by almost 24%
• Plans provide full cover in Public hospitals only
Reduce your cover and spend a little less ...
Existing Vhi Healthcare Members also have a Choice
• Plans A-E & A-E Options are still available and members can stay on these Plans if they wish
• Transfer to LifeStage Choices is optional
Now even more ways to select the right Healthcare Cover
LifeStage Choices
Hospital Plans and
HealthSteps
More Flexibility, More Choice
Hospital Plans
•Widest choice of hospitalsand consultants
• Covering the full spectrum of hospital facilities and accommodation types – private and semi-private rooms
Hospital CoverHospital Cover
Can be Combined with
HealthSteps
Can be Combined with
HealthSteps
Plans for all hospitals
Plans for all hospitals
• Providing Day-to-day Medical Expenses cover as an optional add-on
GP Visits €20.00 €30.00 Annual Max.
Dental Visits €15.00 €25.00 Unlimited Visits
Consultant Visits €40.00 €60.00 Unlimited Visits
Physiotherapist €20.00 €25.00 Annual Max.
Eye Tests €20.00 €25.00 Every 2 Years
Glasses/Lenses €35.00 €70.00 Every 2 Years
Screening €75.00 €150.00 Every 2 Years
G.P. Procedures Excluded Agreed Charges Unlimited Visits
Consultant Pathologists fees Excluded €40.00 Unlimited Visits
Consultant Radiologists fees Excluded €60.00 Unlimited Visits
Alternative Medicine €20.00 €25.00 Combined Max.
GP Visits €20.00 €30.00 Annual Max.
Dental Visits €15.00 €25.00 Unlimited Visits
Consultant Visits €40.00 €60.00 Unlimited Visits
Physiotherapist €20.00 €25.00 Annual Max.
Eye Tests €20.00 €25.00 Every 2 Years
Glasses/Lenses €35.00 €70.00 Every 2 Years
Screening €75.00 €150.00 Every 2 Years
G.P. Procedures Excluded Agreed Charges Unlimited Visits
Consultant Pathologists fees Excluded €40.00 Unlimited Visits
Consultant Radiologists fees Excluded €60.00 Unlimited Visits
Alternative Medicine €20.00 €25.00 Combined Max.
Everyday Medical Expenses Cover
A WORLDWIDE ANNUAL TRAVEL INSURANCE POLICYEXCLUSIVE TO VHI HEALTHCARE MEMBERS FROM AS LITTLE AS €49…
*One adult plus any other person under 65 years**One/two adults plus any number of dependent children under 18 years
Vhi Healthcare Member Price
€95€69€49Multi Trip - Worldwide
Family**Couple*Individual
• Cover for pre-existing medical conditions
• No waiting periods and
• No medical assessment to complete
Assist from Vhi Healthcare
Assist from Vhi Healthcare is a medical emergency advice helpline
which is available to all Vhi Healthcare members while on
holidays abroad or on a temporary stay abroad.
Assist from Vhi Healthcare provides:
Medical cover ranging from €65,000 to €100,000
24 hour emergency advice and information service
Repatriation to Ireland up to €2 million
Plan A
€381.01
First Plan
€459.46
Plan B
€544.53
Plan B
Excess
€481.37
Premiums Compared
First Plan Plus
€570.67
Family Plan Plus
€579.91
Family Plan
€468.70
Special Concession OfferSpecial Concession Offer
Immediate Cover
26 Week Waiting Period Waived
Group Number 122
This offers applies to staff and their Dependants, full indemnity for new medical conditions.
This offers applies to staff and their Dependants, full indemnity for new medical conditions.