VHI VHI Renewal...Medical Card

[AnneMc]

We are a couple in our late 50’s .. with 3 adult children, two have special needs and have medical cards.
We are currently on Plan 3713 for my husband & I and Plan 1211 for the 3 children ( aged 23, 21 & 19)
It’s costing a whopping €4,072 a year !
I’m wondering do we even need insurance cover for our two sons on medical cards? Any advice greatly appreciated .... renewal due 01/12.

 

[Feemar5]

Medical cards cover services by G.P's and access to public health services including public hospitals. Basically private health insurance allows members to " jump queues" and have access to private hospitals depending on your level of cover. I would think it all depends on whether you think your sons will need to access private services. I think if you are really sick you will get excellent care in the public service but if you want elective treatment and not join the waiting list you may need private cover.

 

[snowyb]

Hi AnneMc,

The following 2 options with VHI cover both public and private hospitals, which ticks all the boxes for twenty-somethings and teenagers.

1. VHI One Plan 250; price 332(19 yrs), 447(21 yrs), 662(23 yrs); all public and private hospitals covered, private hospital inpatient excess
capped at 250 x 2 max per year for all admissions. Day case excess 150 per procedure. There is NO excess to pay in any public hospital.
Limited day to day cover.

2. VHI One Plan 150; price 344(19 yrs), 488(21 yrs), 679(23 yrs); all public and private hospitals covered, private hospital inpatient excess
capped at 150 x 2 max per year for all admissions. Day case excess 150 per procedure. There is NO excess to pay in any public hospital.
Limited day to day cover.

https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

Adult Options
Cheaper plans than VHI PMI 37 13 will have public, private and some Hi-tech hospital cover. Details in the following link;
https://www.hia.ie/comparison-tool/...jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

There are some savings to be achieved, without losing cover overall.

Regards, Snowyb

 

[AnneMc]

Hi AnneMc,

The following 2 options with VHI cover both public and private hospitals, which ticks all the boxes for twenty-somethings and teenagers.

1. VHI One Plan 250; price 332(19 yrs), 447(21 yrs), 662(23 yrs); all public and private hospitals covered, private hospital inpatient excess
capped at 250 x 2 max per year for all admissions. Day case excess 150 per procedure. There is NO excess to pay in any public hospital.
Limited day to day cover.

2. VHI One Plan 150; price 344(19 yrs), 488(21 yrs), 679(23 yrs); all public and private hospitals covered, private hospital inpatient excess
capped at 150 x 2 max per year for all admissions. Day case excess 150 per procedure. There is NO excess to pay in any public hospital.
Limited day to day cover.

https://www.hia.ie/comparison-tool/...Mb2NrIjpmYWxzZSwicGxhbl9kZXRhaWxfaWQiOi0xfX1d

Adult Options
Cheaper plans than VHI PMI 37 13 will have public, private and some Hi-tech hospital cover. Details in the following link;
https://www.hia.ie/comparison-tool/#/plan-comparison?plansAndProfiles=W3siaWQiOjEsImFnZSI6MjYsIm1pbk1heFByaWNlIjpbMCw2NTAwXSwibWluTWF4RXhjZXNzIjpbMCw2MDBdLCJwbGFuVHlwZSI6MSwicGxhbnNTZWxlY3RlZCI6WzEyODEsODM4LDE1MDAsMTM1N10sInBsYW5zIjp7ImRhdGEiOltdLCJsb2FkaW5nIjp0cnVlfSwicGxhbnNTZWxlY3RlZERhdGEiOltdLCJhcHBsaWNhdGlvbiI6eyJ0b2dnbGVfc2Nyb2xsTG9jayI6ZmFsc2UsInBsYW5fZGV0YWlsX2lkIjotMX19XQ==

There are some savings to be achieved, without losing cover overall.

Regards, Snowyb

Thank you Snowyb