Couple in 70s VHI Plan B Options - price hike - are there any suitable alternatives?

D

dewdrop

Registered User
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We are a couple in early seventies and have had Plan B with options vhi for past 40 years.

I hear now premium will go up by a large amount.

All we require is quick access to medical treatment in case of emergency.

Has VHI some other plan that would meet our requirements?

I find it difficult to compare all the various plans.
 
The Health Insurance Authority provide a simple comparison on various health plans from various insurers on their website. www.hia.ie . The website is pretty busy today ( it crashed earlier and I have had trouble trying to open the page) following VHI announcement so you might be better waiting until tomorrow to check it out. The VHI site also allows you do a quote for basic cover from this page: http://www.vhi.ie/index.jsp or alternatively you can ring them on 1850 44 44 44. You can also get quotes from quinndirect and aviva online at their websites.
 
Have you asked VHI whether they have an Equivalent Corporate Plan?

Such plans offer much the same cover up to €300 cheaper.

Have got quotations from Aviva and Quinn for their Plan B Equivalent Corporate Plan?
 
dewdrop said:
We are a couple in early seventies and have had Plan B with options vhi for past 40 years.

I hear now premium will go up by a large amount.

All we require is quick access to medical treatment in case of emergency.

Has VHI some other plan that would meet our requirements?

I find it difficult to compare all the various plans.
Click to expand...

"Parents & Kids Options"
 
pj111 said:
"Parents & Kids Options"
Click to expand...

What are the pros and cons of this plan for over 70's couple?

How does the VHI "Parents & Kids Options" compare to equivalent plans offered by Aviva or Quinn?

How does the plan address the following point made by the OP: "All we require is quick access to medical treatment in case of emergency".
 
ajapale said:
What are the pros and cons of this plan for over 70's couple?

How does the VHI "Parents & Kids Options" compare to equivalent plans offered by Vivas or Quinn?

How does the plan address the following point made by the OP: "All we require is quick access to medical treatment in case of emergency".
Click to expand...

No loss in cover - price will be cheaper but have to wait to see prices in the paper in the morning

Essential Plus Quinn or hospital level 2, aviva closest. Comparisons on hia website.

No plan will give you quick access to medical treatment in emergency if you go via emergency room as mentioned on another thread.Private health plans might give quicker access to consultant care or quicker access in private hospital.
 
pj111 said:
No loss in cover - price will be cheaper but have to wait to see prices in the paper in the morning
Click to expand...

So VHI offer the same cover at a cheaper price and the only signifcant difference is that the product is branded "Parent and Kids"? Perhaps Im wrong but is this just a cynical excercise to discourage older people from taking out this plan?

pj111 said:
No plan will give you quick access to medical treatment in emergency if you go via emergency room as mentioned on another thread.Private health plans might give quicker access to consultant care or quicker access in private hospital.
Click to expand...

I agree.
 
Thanks for all the suggestions and thanks also to the Moderator who reworded the title making it far more precise thereby prompting more response.
 
ajapale said:
So VHI offer the same cover at a cheaper price and the only signifcant difference is that the product is branded "Parent and Kids"? Perhaps Im wrong but is this just a cynical excercise to discourage older people from taking out this plan?



I agree.
Click to expand...

I see no plan of this name mentioned either on the Aviva website or or the HIA comparison website.
 
Hi there, my mum is in her late 60's and I got her into a corporate plan last year, she had been on plan b. VHI don't advertise but anyone is eligible to join. I saved her about €400 pa, and the corporate plans are not affected by the price hike.
P..
 
pinkyBear said:
Hi there, my mum is in her late 60's and I got her into a corporate plan last year, she had been on plan b. VHI don't advertise but anyone is eligible to join. I saved her about €400 pa, and the corporate plans are not affected by the price hike.
P..
Click to expand...

Dewdrop,

What happened when you asked VHI to go on the Equivalent Corporate Plan?

pinkybear saved his mom over €400 doing this!


My understanding is that a 90 year nun can join any plan offered any health insurer! I doesnt matter how the company label the product (parent/kids, corporate, teachers, nurses etc.)

aj
 
you can join any plan. Name makes no difference. More than likely each plan is tailored to have additional/better benefits towards the people it's named after.
 
ajapale said:
Dewdrop,



My understanding is that a 90 year nun can join any plan offered any health insurer! I doesnt matter how the company label the product (parent/kids, corporate, teachers, nurses etc.)

aj
Click to expand...

Yes this is correct. There are subtle differences between all the plans and this is why the One Plan range is generally not suitable for older people but there are plenty of other options within the Irish health insurance market.

Patrick
 
Apologies for not saying i now realise my policy was renewed on 1st January so i am ok for this year. I will do some research but i still wonder what are the major differences in all the plans if they all will pay for a bed in a hospital. I really dont care if it public or private and anyway i gather most of the major public hospitals are the leaders in this business.
 
Don't forget, having health insurance with any of the companies does not guarantee you a private bed in any hospital. At the end of the day it is up to the Bed manager/ward nurse's etc who gets a bed where. VHI/Quinn/Aviva are there to pay the bills
 
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