I was reading this thread and rang to ask VHI about the PMI 19 11 plan which was priced about €755, however they told me that price was €986, I said that wasnt the price on the HIA website and I was told that price was only available to a particular company (wouldn't name it) and if I want that that plan it would cost me €986 from my renewal date of 1 Jan, I asked if there was a better plan for me and I was given the option of a First Plan Plus Level 1 - has anyone else had a simillar experience?
Under open enrolment, health insurers can't charge different prices to different people for the same plan, outside of a group discount and child/student rates. It's possible that the €755 includes the maximum 10% discount for a particular company, but even then that would make the individual price approximately €839.
Maybe the plan will be subject to a price increase and it will cost €986 from 1st January 2012. I don't see anything about that on the HIA website, but there's been so many updates from all the insurers lately, it's hard to keep track.
I would say that they are looking at your renewal date of 1st January and telling you the price at that time.
Tell them you want pmi 19 11 with a start date of 22nd December, as a separate contract to the one that you have and that you will not be renewing the initial contract on 1st January.
Let us know how you get on - don't take no for an answer. €679 is the price for certain large groups in December.
if your renewal date is on the 1st of Jan you cant tell them you want a start date of the22nd-you are in a years contract .
Tell them you want pmi 19 11 with a start date of 22nd December
After many years of inertia I have changed plans.
Last year I had HealthPus Excess(plan B Excess). After a 40% increase this year I have changed to PMI 19 11.
It is very difficult to understand whether one plan is better or worse than another, even using the comparison site.
Anyway I have decided to go with PMI 19 11. I hope it is a good decision. I am up about €400 in the price from day 1.
Got my renewal notice from VHI. I expected E755 per adult(as discussed with VHI on phone) but the price quoted was E986 like pj111 in an earlier post.
Duel insurance not allowed and not allowed to change start date to 15 Dec to avail of lower rate etc
So I am looking to change to AVIVA.
Did they specifically say you cannot have 2 policies at the same time ?
Email and write to them to say that you will be cancelling your policy from 31st December.
Buy another policy online once they confirm your instruction and then within 14 days change to the plan of your choice - you would have until January 5th to this.
You will also avoid VHI's new rule of having to serve a waiting period for any increase in benefits even if you have NO Pre Existing conditions.
Patrick
I had the same experience as Billo, they will not allow me to renew from the 15 Dec, Billo what plan did you get with Aviva? and how does it compare?
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