Health Insurance Renewal of VHI Public Plus Care Day to Day

[masterboy123]

We are a family of 3.
2 Adults: mid-30s and no health issues, and 3 year old child with no health issues.

Our VHI Public Plus Care Day to Day policy is due for renewal end of July.
We pay about €105/month.

Is there a better deal with similar or better health coverage?
Thanks

 

[Sue Ellen]

Hi,

I see you got advice on AAM back in 2022 on this policy and at the time there did not appear to be anything else available at that price for 2 adults and 1 child. Premiums would also appear to have gone up since then.

The Minister has done away with the public hospital in-patient charges but that probably does not change your situation much.

Have you crunched the numbers on the www.hia.ie website to see what else might be available. I think you mentioned last year that your budget was about €100 per month but unfortunately as health insurance goes that is not an awful lot. My own single premium used to be approx. €1,200 and I consider that to be about average semi-private/private hospital cover and basic enough day-to-day.

 

[masterboy123]

Hi,

I see you got advice on AAM back in 2022 on this policy and at the time there did not appear to be anything else available at that price for 2 adults and 1 child. Premiums would also appear to have gone up since then.

The Minister has done away with the public hospital in-patient charges but that probably does not change your situation much.

Have you crunched the numbers on the www.hia.ie website to see what else might be available. I think you mentioned last year that your budget was about €100 per month but unfortunately as health insurance goes that is not an awful lot. My own single premium used to be approx. €1,200 and I consider that to be about average semi-private/private hospital cover and basic enough day-to-day.

Thank you for this info. I was not aware that public inpatient charges are scrapped now.
I will have a look now on the hia website.

Is this VHI policy good for anything privately?

Thank you

 

[Sue Ellen]

Hi again,

It does not appear to have cover for private hospitals - see your Table of Benefits here. You were very lucky to get a semi-private room in the public hospital that you received treatment in as you mentioned in your thread last year. Both semi-private and private rooms can have a high demand but that can happen in the private hospitals also.

Your day-to-day cover is basic also but I suppose it is better than nothing

You should give VHI a call and get them to explain your cover in detail.

 

[masterboy123]

Hi again,

It does not appear to have cover for private hospitals - see your Table of Benefits here. You were very lucky to get a semi-private room in the public hospital that you received treatment in as you mentioned in your thread last year. Both semi-private and private rooms can have a high demand but that can happen in the private hospitals also.

Your day-to-day cover is basic also but I suppose it is better than nothing

You should give VHI a call and get them to explain your cover in detail.

Thanks for this.
So I suppose I will be looking at atleast €200 a month for our family to have some of the private health privileges.

 

[becky]

This is a recent podcast with Dermot Goode.

Are you getting the most out of your health insurance?

Listen to this episode from The Pat Kenny Show Highlights on Spotify. Anton was joined by Dermot Goode of Total Health Cover to discuss health insurance cover now that all insurers have increased their rates and to find out if you are getting the most from your health insurance and more

spotify.link