Hi can anyone tell me how I can make a claim to vhi and hsf without affecting each other , as both are requesting receipts and the vhi won't return them, I pay A PREMIUM TO THEM BOTH SO WHY CAN'T i MAKE A GENUINE CLAIM FROM BOTH?
if you are insured by two insurance companies, then the cost of the claim is usually split by the two, depending on what each one covers on you plan.
will they accept a copy of the receipts ?
why have two insurance companies ? is there not a plan that one of them has to cover you needs ?
As regards getting your receipts contact the VHI and tell them exactly why you require them and advise them that unless these are received within the next 5 working days you are refering the matter to the Financial Services Onbudsman
Overlap isn't a problem. There could well be some overlap between the two policies, but you are quite entitled to claim from both regardless.The two companies provide two totally different things.
VHI is a health insurer
HSF provides a personal accident type cover with benefits for a wide range of Medical procedures .As long as there is no overlap in what you are claiming for under both policies you should have no problem.
Maybe the trick is to make the HSF claim first and only afterwards make the VHI claim?The receipts, which will be returned, must:
a) be originals, not photocopies;
b) include the practitioner’s stamp/name and date of issue;
c) include the patient’s name;
d) state the type of service and items provided;
e) be for a service for which payment has been met by a
person registered under HSF health plan;
f) be for a service covered by the HSF categories only and
not for any insurance premiums paid to cover that service.
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