A new and easy way to choose health insurance
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A New and Easy Way to Choose Health Insurance. 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

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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

As you go through life your needs change - your health insurance should do the same


Hospital Cover convenient and easy way to select or change cover

For singles or those taking out cover for the first time

LifeStage Benefits

Day-to-day Medical

Expenses Cover

  • Access to Public and Private Hospitals(excluding Blackrock Clinic & Mater Private)

  • Travel Vaccinations - €50

  • Accident & Emergency - €60

  • GP Visits

  • Dental/ Optical

  • Alternative Medicine

    …..and more


Hospital Cover convenient and easy way to select or change cover

If you have children or thinking of starting a family

LifeStage Benefits

Day-to-day Medical

Expenses Cover

  • 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

  • GP Visits

  • Dental/ Optical

  • Alternative Medicine

    …and more


Day to day medical expenses cover comes as standard with every plan

Annual Excess convenient and easy way to select or change cover

€1

GP Visits

€20 per visit (max. 25 per person p.a.)

Physiotherapy

€20 per visit (max. 25 per person p.a.)

Alternative Medicine

€20 per visit (max. 12 combined visits p.a.)

Dental Visits

€20 per visit (unlimited)

Optical Visits

€20 per visit (1 every 2 years)

Screening

€40 per visit every 2 years

Day-to-day Medical Expenses Cover … comes as standard with every plan


Getting something back every year

Expense Type convenient and easy way to select or change cover

Number of Visits

Cost per visit

Total Cost

Vhi Healthcare Benefit

G.P. Visit

4

€40

€160

€80

Dental

2

€30

€60

€40

Eye Test

1

€30

€30

€20

Health Screening

1

€40

€40

€40

Complementary Medicine

3

€30

€90

€60

€380

€240

Getting something back every year

Annual Day-to-day Medical Expenses

Example: Family of 2 Adults and 2 Children

Covering over 60% of your families Day-to-day Medical Expenses


Additional out patient expenses

Annual Excess convenient and easy way to select or change cover

€125 per Individual €250 per Family

Consultant

€50 per visit

Pathology

Professional & Technical

€20 per referral and agreed hospital charges

Radiology

Professional & Technical

Standard benefit and agreed hospital charges

Pre & Post Natal

Up to €650 (depending on plan held)

Home Nursing

€40 per day up to a max. of €800

Emergency Dental

€500 per year

Annual Maximum Benefit

€6,500

Additional Out-Patient Expenses


Treatment in the most expensive hospitals

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 coverall 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

Access to Treatment


Cardiac Treatment available in other hospitals covered on our LifeStage Plans

  • Bon Secours

  • St. Vincent’s Private

  • Beaumont

  • Tallaght

  • St. James’s

  • Mater Public

  • Bon Secours

  • UCHG

  • Mid-Western Regional

  • Bon Secours

  • University College

  • South Infirmary


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

Interventional Cardiology


Cancer Treatment -Radiotherapy (stents), requiring less invasive complex heart surgery

Radiotherapy services expanded in St. Vincent’s Private with two new linnear accelaterators in 2004/05

  • Galway Clinic

  • St. Vincent’s Private

  • St. Lukes

  • University College Hospital


Cancer Treatment -Chemotherapy (stents), requiring less invasive complex heart surgery

  • St. Vincent’s Private

  • Beaumont

  • St. Lukes

  • St. James’s

  • Bon Secours

  • Galway Clinic

  • UCHG

  • Mid-Western Regional

  • Bon Secours

  • University College

  • South Infirmary

  • Mercy Hospital


And much more

Overseas cover - €100,000 on every Plan (stents), requiring less invasive complex heart surgery

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

And Much More…


Reduce your cover and spend a little less

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

Existing Vhi Healthcare Members also have a Choice


More Flexibility, More Choice stay on these Plans if they wish

LifeStage Choices

Hospital Plans and HealthSteps

Now even more ways to select the right Healthcare Cover


Hospital Plans stay on these Plans if they wish

Hospital Cover

  • Widest choice of hospitals

    and consultants

Plans for all

hospitals

  • Covering the full spectrum of hospital facilities and accommodation types – private and semi-private rooms

Can be Combined

with

HealthSteps

  • Providing Day-to-day Medical Expenses cover as an optional add-on


Everyday Medical Expenses Cover stay on these Plans if they wish

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.


Vhi Healthcare Member Price stay on these Plans if they wish

Individual

Couple*

Family**

Multi Trip - Worldwide

€49

€69

€95

A WORLDWIDE ANNUAL TRAVEL INSURANCE POLICYEXCLUSIVE TO VHI HEALTHCARE MEMBERS FROM AS LITTLE AS €49…

  • Cover for pre-existing medical conditions

  • No waiting periods and

  • No medical assessment to complete

*One adult plus any other person under 65 years

**One/two adults plus any number of dependent children under 18 years


Assist from Vhi Healthcare stay on these Plans if they wish

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 B stay on these Plans if they wish

€544.53

Plan B

Excess

€481.37

Plan A

€381.01

First Plan

€459.46

Family Plan

€468.70

First Plan Plus

€570.67

Family Plan Plus

€579.91

Premiums Compared


Special Concession Offer stay on these Plans if they wish

  • Immediate Cover

  • 26 Week Waiting Period Waived

  • Group Number 122

This offers applies to staff and their Dependants,

full indemnity for new medical conditions.


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