NovaFlare77
Registered User
- Messages
- 443
Just a note to everyone that if you're planning to change your VHI Renewal Date back to January 2011, you're better to get the change done this week.
VHI have four specific renewals dates per month (1st, 8th, 15th and 22nd). VHI may not be able to backdate the change of renewal if you ask after 22nd January and asking for the change before the 22nd means less hassle and headaches for you.
If you are changing renewal, here are a few things to bear in mind:
1. A change in renewal date may proportionally reduce some of your benefits, in particularly limits on the number of visits covered per year on your out-patient cover. For example, if your plan covers a maximum of 10 GP visits in a full membership year, then changing your renewal will reduce this in line with the amount of time passed since your last renewal. It won't affect the numbers of days you're covered for a hospital stay, as that limit is based on the calender year.
2. If any benefits have been changed since your last renewal, changing your renewal to January means that the changed benefits now apply to you, so check what the benefits of your plan are as of now before making the change. The benefits may have been increased, reduced, removed, or it may be a new benefit that was only added since your last renewal.
3. If you were getting any free/reduced child rates at your last renewal, this will now end if you change renewal date. Similarly if you have a child that turned 18 since the last renewal, they will be charged the adult rate (unless they are still a student). If someone is availing of the student rate that turned 21/23 (depending on the plan) since the last renewal, they will now be charged as an adult.
From what I've seen on other discussion forums, VHI are facilitating the change requests but there might be a delay in getting through to them on the phone or by email.
VHI have four specific renewals dates per month (1st, 8th, 15th and 22nd). VHI may not be able to backdate the change of renewal if you ask after 22nd January and asking for the change before the 22nd means less hassle and headaches for you.
If you are changing renewal, here are a few things to bear in mind:
1. A change in renewal date may proportionally reduce some of your benefits, in particularly limits on the number of visits covered per year on your out-patient cover. For example, if your plan covers a maximum of 10 GP visits in a full membership year, then changing your renewal will reduce this in line with the amount of time passed since your last renewal. It won't affect the numbers of days you're covered for a hospital stay, as that limit is based on the calender year.
2. If any benefits have been changed since your last renewal, changing your renewal to January means that the changed benefits now apply to you, so check what the benefits of your plan are as of now before making the change. The benefits may have been increased, reduced, removed, or it may be a new benefit that was only added since your last renewal.
3. If you were getting any free/reduced child rates at your last renewal, this will now end if you change renewal date. Similarly if you have a child that turned 18 since the last renewal, they will be charged the adult rate (unless they are still a student). If someone is availing of the student rate that turned 21/23 (depending on the plan) since the last renewal, they will now be charged as an adult.
From what I've seen on other discussion forums, VHI are facilitating the change requests but there might be a delay in getting through to them on the phone or by email.