Health Insurance VHI to scrap Health Plus (Plan B) from 1st May 2024
- Thread starter arbitron
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Perhaps others will know more here - but the impression I have is older VHI members never changed their subscription either out of fear, ignorance or simply inertia. It appears these policies were among the most expensive and could have been renegotiated even with VHI for almost identical cover at much cheaper premiums.
I don't know the VHI logic unless they are reducing some part of the cover e.g. psychiatric cover of 180 days versus 120 days in alternative. Does anybody know?
This could be very stressful for these older people - and despite work by Dermot Goode from Total Health cover.ie (a Lockton company) he reckons many people could be affected and may need assistance.
I don't know the VHI logic unless they are reducing some part of the cover e.g. psychiatric cover of 180 days versus 120 days in alternative. Does anybody know?
This could be very stressful for these older people - and despite work by Dermot Goode from Total Health cover.ie (a Lockton company) he reckons many people could be affected and may need assistance.
Seems like those who were on that plan for long time have now been given a reason to overcome the inertia, and in many cases leave VHI. Is it a move by VHI to try to shed some older customers? Or am I being too cynical and it is a move in the right direction re: simplification of plans.
From my observations (and I could be wrong because insured with VHI) it would appear to be more to do with the 100% cover for orthopaedic and ophthalmic procedures which Laya are more inclined to provide at a realistic premium. VHI have been charging the mad money on the policies being discussed at present because they are providing only 80%/60% on lots of their cheaper policies.
Does anyone know how I could find out how many people are signed up to these plans?
VHI (and others) have retired plans in the past and it inconveniences customers. These are really popular plans and I believe that it's going to cause an awful lot of confusion for an awful lot of customers.
VHI (and others) have retired plans in the past and it inconveniences customers. These are really popular plans and I believe that it's going to cause an awful lot of confusion for an awful lot of customers.
Really unhappy about removal of these plans - my elderly parents have been on health plus premium for years and now I can't even find the closest alternative for them as the HIA tool has removed them from the comparison options.
Does anyone know a good similar alternative for health plus premium VHI - looking to keep cover as much the same as possible i.e. need excellent hi tech cover
Does anyone know a good similar alternative for health plus premium VHI - looking to keep cover as much the same as possible i.e. need excellent hi tech cover
If you have a look at the two Laya policies in this HIA comparison they might help but not cheap. They do appear to give the 100% cover for ortho/ophth which is very unusual these days and you will need to confirm if the hi-tech cover is satisfactory for your parents' needs. I do have preference for VHI but God alone knows how much it would cost for that cover with them.
This previous AAM thread has references to the same two policies mentioned in the comparison Laya Simplicity and Laya Control 300 Create.
Look carefully at the excesses also as there appear to be quite a number. The day-to-day cover appears to be ok only, because you are getting the better ortho/ophth and possibly hi-tech.
I would also recommend ringing VHI and sound them out.
A health broker would be a good idea if you have access to Cornmarket. www.totalhealthcover.ie with their fee based service might be able to help but they usually have a waiting list.