VHI group scheme

VHI group scheme discount puzzle

Our family is with VHI under a group scheme and has been for 4 years. They say that entitles us to a discount of 10% (spoke to a VHI person today - after ringing the 1850444444 number for 2 solid hours before getting an answer!) and she said yes, we were getting the 10% reduction. Yet when we checked my wife's salary slips, we are actually paying the amount we would be paying if we had the same plans without any discount - as established from "Get a quote" on their website. Confirmed
this also from speaking to the HIA, who did say it was at the discretion of the insurer. What's going on - VHI say we're getting a discount but we don't appear to be. The whole thing is a total mess, can't get a straight answer from anyone. Help!
 
if your wife is having it deducted from her salary she would be recieving the 10% group discount. With the get a quote system it may give them a 10% online discount
 
The web prices will always include the 10% discount (where it's available to the general public), so if the web price and the salary slips price match, then chances are that your wife is getting the maximum discount.

If you want to be doubly certain, look up the plan on the HIA's website. The price on the HIA's website will include the group discount where it's available to the general public. Also, the documentation that VHI sent at the last renewal should set out the premium before and after discounts, tax reliefs, etc.
 
if you were to join online you would get the 10% discount, thats why it matchs what your wife is paying. If it is going through her wages, then her company will have the group discount also.
No company group scheme would have a salary deduction, and not be availing of the discount. Your wife's HR people who look after deductions would also be able to confirm this for you
 
Thanks all, it's clearer now. Novaflare77, I did actually check on the HIA website, and the price quoted there does match what we are paying. Am still curious about what class of people we would have to be NOT to get the 10% discount. Will check the detail on the last renewal notice tomorrow.
 
As mentioned on previous threads, don't get mixed up between group rate on consumer plans and max discount on business plan.

No one is guaranteed to receive a 10% discount as it is at the company's discretion.

- Aviva do currently give 10% discount on their consumer plans - generally anything without business in the title (but not exclusively)

- Aviva only give 10% discount on their business plans to those who have their premiums paid by the company or the company collects the premium BUT not all company paid or salary deduction schemes receive this discount. It is at Aviva's discretion. They won't give it to individuals.

- VHI do offer 10% discount on most of their consumer plans BUT they can and do ADD on the 10% i.e dearer than the website!

- VHI only give 10% discount on their business plans to those who have their premiums paid by the company or the company collects the premium BUT not all company paid or salary deduction schemes receive this discount. It is at VHI's discretion. They might give 0, 5 or 10% discount.

- Quinn generally do not offer 10% discount anymore on consumer plans however at their discretion they may offer 10% discount on their company plans although they will start at 3%, then 7% and then 10%. They won't give discounts on company plans to individuals.

I came across an example yesterday where none of the 3 companies are offering a 10% discount and it is a salary deduction scheme and the number of people on the scheme is excess of 200 ! - at the insurer's discretion not to offer discount.

Patrick

PS - heard 2 journalists / broadcasters on the radio over the last 2 days who said differently.
 
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