The main differences with VHI Company Plan and the other 3 plans is as follows;
1. Company Plan does not have hi-tech hospital cover for non-cardiac special procedures in the Blackrock Clinic or Mater Private (cardiac cover in hi-tech
hospitals is included on Company Plan).
2. Company Plan does not have day case cover in hi-tech hospitals.
3. Special procedures are not covered in the Hermitage or Galway Clinic with Company Plan.
The above list is covered on the 3 other plans.
Health plan 06 and 05 also include good outpatient cover which is very limited on Company Plan.
If you don't renew on your renewal date, what will happen is that your present plan will automatically renew. You still have a further 14 days after renewal date to change your mind; either to a different plan with the same company or to another plan with a different company if you wish.
As a matter of interest, what is your actual renewal date?
There are two new VHI plans being released on 28th Oct 2013, which may be of interest, if its within 14 days after your renewal date.
Both include hi-tech cover(with a lower excess than aviva plans). PMI 36 13 includes good outpatient cover, while PMI 37 13 has limited outpatient cover.
www.hia.ie/latest-news/latest-news/vhi-release-2-new-plans-pmi-36-13-and-pmi-37-13-on-20.10.2013/
Snowyb