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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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Presentation Transcript
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
slide3

Hospital 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

slide4

Hospital 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

€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

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

€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
slide10

Cardiac Treatment

  • 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
slide12

Cancer Treatment -Radiotherapy

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
slide13

Cancer Treatment -Chemotherapy

  • 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

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
slide17

More Flexibility, More Choice

LifeStage Choices

Hospital Plans and HealthSteps

Now even more ways to select the right Healthcare Cover

slide18

Hospital Plans

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
slide19

Everyday Medical Expenses Cover

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.

slide21

Vhi Healthcare Member Price

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

slide22

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
slide23

Plan B

€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

slide24

Special 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.