world201812
Registered User
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- 71
Hi all,
Family of three have been covered, one adult and two under-6’s with VHI.
The children automatically added when they were born, I think we had a free year or something when they were born however things have escalated somewhat in terms of what we are paying for the VHI package annually, a quick glance at the monthly direct debit shows 157 euro or € 1,894.20. Is this a lot for one adult and two kids?
Per anumm for the three of us, and presume this is with tax rebate at source as its paid through public service payroll.
I’ve logged in to VHI online and details are follows, and I find it bizarre children on different schemes, and child 2 appears to have different and better package than the other child, and the adult.
Adult 1 on Enhanced Care 150 day-to-day. €1,157.28
Child 1 on Enhanced Care 150 day-to-day. €288.11
Child 2 on Company Plan Extra Level 1. €448.81
To add to all this, having gone through our medical receipts submitted to VHI last year, the amounts returned are derisory, 25 euro of 100 for OT visits for example. And not unlimited either.
A quick calculation shows we spent 2,500 on Medical last year, and just 500 euro back from VHI. It appears we are paying 1,920 for this, after tax rebate.
My question is are there any better packages out there? Any tips? Surely child 2 at three years of age doesn’t need to be on such a good scheme?
The cost of the likes of physio have rocketed per visit in recent years, but the fee reimbursable of 25 has not risen, and to add, the benefits of VHI seem non-existent over the last two years during covid, any time we’ve been in hospital with kids etc, told private priority doesn’t exist due to ‘Covid’.
Seems like benefits back are not worth it with VHI, any alternates to above? Thanks.
Family of three have been covered, one adult and two under-6’s with VHI.
The children automatically added when they were born, I think we had a free year or something when they were born however things have escalated somewhat in terms of what we are paying for the VHI package annually, a quick glance at the monthly direct debit shows 157 euro or € 1,894.20. Is this a lot for one adult and two kids?
Per anumm for the three of us, and presume this is with tax rebate at source as its paid through public service payroll.
I’ve logged in to VHI online and details are follows, and I find it bizarre children on different schemes, and child 2 appears to have different and better package than the other child, and the adult.
Adult 1 on Enhanced Care 150 day-to-day. €1,157.28
Child 1 on Enhanced Care 150 day-to-day. €288.11
Child 2 on Company Plan Extra Level 1. €448.81
To add to all this, having gone through our medical receipts submitted to VHI last year, the amounts returned are derisory, 25 euro of 100 for OT visits for example. And not unlimited either.
A quick calculation shows we spent 2,500 on Medical last year, and just 500 euro back from VHI. It appears we are paying 1,920 for this, after tax rebate.
My question is are there any better packages out there? Any tips? Surely child 2 at three years of age doesn’t need to be on such a good scheme?
The cost of the likes of physio have rocketed per visit in recent years, but the fee reimbursable of 25 has not risen, and to add, the benefits of VHI seem non-existent over the last two years during covid, any time we’ve been in hospital with kids etc, told private priority doesn’t exist due to ‘Covid’.
Seems like benefits back are not worth it with VHI, any alternates to above? Thanks.