I am on one of the VHI company plans which is subject to a price increase on the 9th February.
I rang the VHI this morning and asked could I renew my policy with effect from today, in order to get the current premium rate for the next 12 months, and they told me that with effect from the 1st February, their policy is not to let people renew mid way through a policy.
Has anyone else any experience of this. I told the customer represtative that many people had done this prior to the 1st of Feb increases, but she told me there was a change in policy and there was nothing she could do.
Paul
vhi are trying to enforce the years contract that you would have with any other insurance company.
I don't understand, what does this sentence mean?
4) Renewing the contract
a) Your contract will last for one year unless we agree to a shorter period. At the renewal date, you can renew your contract by paying the
premium we request. The Rules and your Table of Benefits in place at the renewal date will then apply to your contract.
b) You can change your level of cover at your renewal date. If you change your cover (i.e. subscribe for additional benefits) and you or any of the
members included on the contract receive treatment during the following two years* for a medical condition which, in the opinion of our Medical
Director, you already had on the renewal date on which you changed your level of cover, we will only pay the benefits which we would have paid if
you had not changed your level of cover.
* Five years for those aged 65 years or over, or 52 weeks for maternity or pregnancy related conditions.
When determining whether a medical condition pre-exists an upgrade in cover it is important to note that it is the date of onset of
the condition that is considered rather than the date upon which the member becomes aware of the condition, as medical conditions
may be present for some time before giving rise to symptoms or being diagnosed.
c) If you change your level of cover and subscribe for the additional benefits listed in Sections 9 or 10 of your Table of Benefits, a waiting period will
apply to those benefits that are subject to an excess. We will only pay the benefits for the expenses incurred after the following waiting period has
expired:
MEMBER’S AGE WHEN HE/SHE IS INCLUDED WAITING PERIOD
Under 50 None
50 to 54 26 weeks
55 to 64 52 weeks
65 or over 104 weeks
d) If you change your plan or level of cover, additional benefits will be subject to Rule 4(b). If you change your plan or level of cover and wish to revert
to your previous plan or level of cover, you may do so within 14 days of the date of issue of the amendment notification and we will pay the
benefits which we would have paid if you had not changed your plan.
I am on one of the VHI company plans which is subject to a price increase on the 9th February.
I rang the VHI this morning and asked could I renew my policy with effect from today, in order to get the current premium rate for the next 12 months, and they told me that with effect from the 1st February, their policy is not to let people renew mid way through a policy.
Has anyone else any experience of this. I told the customer represtative that many people had done this prior to the 1st of Feb increases, but she told me there was a change in policy and there was nothing she could do.
Paul
Hi Paul, You did well to get through to the VHI. I found it impossible. I eventually gave up and e mailed them where I got auto response saying they would call me. I am still waiting for same since the 26th Jan. I think it is a deplorable service from the VHI. I too want to make changes to my policy. However on their auto response I quote " Note: If you are requesting a change to your cover, we will honour it from the date the e-mail was received so there is no need to send in a 2nd request." Therefore I assume from this that they will make changes to policy changes.
Rgds,
Anthony
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