What is the name of the VHI Policy with no excess, is it expensive?
Laya have a policy with an excess of just €1 but you pay more for this policy.
Policy PMI0710. Premium per adult
€1,323.
Excess would appear to be €1.00
Looking at it again it would appear that the maximum to be paid out per member is €2,000 and not €1,000 as I had thought and mentioned above.
Section 9 – Day-to-day medical expenses (benefits are per visit, per member, unless otherwise indicated)
A General practitioner - unlimited visits 50%
B Consultant consultation - unlimited visits 50%
C Pathology - consultants’ fees 50%
D Radiology - consultants’ fees for professional services 50%
E Pathology/Radiology or other diagnostic tests (refer to Section 8 for out-patient
MRI benefits) - 50% of agreed charges in an approved out-patient centre. Contact
us for details of eligible diagnostic tests and reimbursements
€500 per year
F Pre- and post-natal care (combined visits) €450
G Dental practitioner - 7 visits €25
H Emergency dental treatment Up to €500
per accident
I Practice nurse - unlimited visits 50%
J STI screening Up to €100
K Physiotherapist - 10 visits €25
L Clinical Psychologist – 10 visits €25
M Acupuncturists, Chiropractors, Osteopaths, Physical therapists, Reflexologists -
unlimited visits
50%
N Chiropodists/Podiatrists, Dieticians, Occupational therapists, Speech therapists,
Orthoptists - unlimited visits
50%
PMI 07 10
O Optical – eye tests and glasses/contact lenses – 75% of charges in each 24 month
period (^Payment will be made directly to the provider if attending a VSP network
provider, and will not be subject to the annual excess or the annual maximum)
€120^
P Hearing test in each 2 year period €40
Q Health screening - in each 24 month period, covered in accordance with our rules
(contact us for details) *
Lifestage screening programme in a Vhi Medical Centre €185 per
screen
Dexa scans in an approved dexa scan centre 50% cover
R Accident & emergency cover - 2 visits €75
S Clinical psychology counselling for oncology treatment (psycho oncology
counselling)* - 10 visits
€50 per visit
T Child counselling - 7 visits €25
U Foetal screening, in the year of the birth €100 per
pregnancy
V Travel vaccinations €60 per year
W Vhi SwiftCare exclusive benefit to Vhi customers*
Initial consultation (charge is €125 – you pay €50) €75
Follow-up treatment package after this consultation for x-rays, tests & medical
aids (maximum you will pay is €100 for this follow-up treatment)
50% of total
costs
Vhi SwiftCare appointment services*
Consultant consultation (orthopaedic, oral maxillofacial & sports medicine) 50%
Dental practitioner – 7 visits €25
Physiotherapist – 7 visits €25
X Vhi paediatric clinic*
Initial Consultant consultation 50%
Follow up paediatric treatment and services after this consultation including
lactation consultant, dietician, ultrasound, blood tests and x-ray
50% of total
costs
Y Paediatrician benefit
Paediatrician benefit in addition to the Vhi paediatric clinic benefit listed above
- 1 visit in the year of the birth
50%
Annual excess - per member, per year €1
Annual maximum - per member, per year €2,000
* These benefits are not subject to the annual excess or annual maximum