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A New and Easy Way to Choose Health Insurance

A New and Easy Way to Choose Health Insurance. Vhi Healthcare’s new suite of LifeStage Plans provide a convenient and easy way to select or change cover 5 Plans available All Plans include the hospital cover you need Plus generous cover for day-to-day medical expenses

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A New and Easy Way to Choose Health Insurance

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  1. A New and Easy Way to Choose Health Insurance

  2. Vhi Healthcare’s new suite of LifeStage Plans provide a convenient and easy way to select or change cover 5 Plans available All Plans include the hospital cover you need Plus generous cover for day-to-day medical expenses Relevant LifeStage benefits And competitively priced As you go through life your needs change - your health insurance should do the same

  3. Hospital Cover For singles or those taking out cover for the first time LifeStage Benefits Day-to-day Medical Expenses Cover • Access to Public and Private Hospitals(excluding Blackrock Clinic & Mater Private) • Travel Vaccinations - €50 • Accident & Emergency - €60 • GP Visits • Dental/ Optical • Alternative Medicine …..and more

  4. Hospital Cover If you have children or thinking of starting a family LifeStage Benefits Day-to-day Medical Expenses Cover • Access to Public and Private Hospitals(excluding Blackrock Clinic & Mater Private) • Maternity – Up to €2,500 • Home Births – Up to €2,500 • Child Home Nursing – Up to €2,800 • Parent Accompany Child – Up to €1,400 • Child Counselling – Up to €240 • GP Visits • Dental/ Optical • Alternative Medicine …and more

  5. Annual Excess €1 GP Visits €20 per visit (max. 25 per person p.a.) Physiotherapy €20 per visit (max. 25 per person p.a.) Alternative Medicine €20 per visit (max. 12 combined visits p.a.) Dental Visits €20 per visit (unlimited) Optical Visits €20 per visit (1 every 2 years) Screening €40 per visit every 2 years Day-to-day Medical Expenses Cover … comes as standard with every plan

  6. Expense Type Number of Visits Cost per visit Total Cost Vhi Healthcare Benefit G.P. Visit 4 €40 €160 €80 Dental 2 €30 €60 €40 Eye Test 1 €30 €30 €20 Health Screening 1 €40 €40 €40 Complementary Medicine 3 €30 €90 €60 €380 €240 Getting something back every year Annual Day-to-day Medical Expenses Example: Family of 2 Adults and 2 Children Covering over 60% of your families Day-to-day Medical Expenses

  7. Annual Excess €125 per Individual €250 per Family Consultant €50 per visit Pathology Professional & Technical €20 per referral and agreed hospital charges Radiology Professional & Technical Standard benefit and agreed hospital charges Pre & Post Natal Up to €650 (depending on plan held) Home Nursing €40 per day up to a max. of €800 Emergency Dental €500 per year Annual Maximum Benefit €6,500 Additional Out-Patient Expenses

  8. All cardiac, cancer and other specified procedures are available in the Public & Private hospitals covered on First Plan Plus, Family Plan Plus Blackrock Clinic & Mater Private are not covered Galway Clinic: First Plan Plus and Family Plan Plus coverall treatments except cardiac and other specified procedures* in this hospital Treatment in the most expensive hospitals *list available on request

  9. All treatments performed in High-tech Hospitals are widely available in other hospitals covered on our LifeStage Plans Over 90% of consultants in Blackrock Clinic and Mater Private have admission rights in other hospitals Access to Treatment

  10. Cardiac Treatment • Bon Secours • St. Vincent’s Private • Beaumont • Tallaght • St. James’s • Mater Public • Bon Secours • UCHG • Mid-Western Regional • Bon Secours • University College • South Infirmary

  11. Growth in interventional treatment e.g. Angioplasty (stents), requiring less invasive complex heart surgery Performed extensively in:- UCHG Galway Bon Secours, Cork Bon Secours and St Vincent’s Private, Dublin Interventional Cardiology

  12. Cancer Treatment -Radiotherapy Radiotherapy services expanded in St. Vincent’s Private with two new linnear accelaterators in 2004/05 • Galway Clinic • St. Vincent’s Private • St. Lukes • University College Hospital

  13. Cancer Treatment -Chemotherapy • St. Vincent’s Private • Beaumont • St. Lukes • St. James’s • Bon Secours • Galway Clinic • UCHG • Mid-Western Regional • Bon Secours • University College • South Infirmary • Mercy Hospital

  14. Overseas cover - €100,000 on every Plan Tax relief at standard rates Group discount Student rates Current concessions will still apply Immediate hospital cover Immediate day-to-day cover (under 50’s) Added value services and Special Offers exclusive to Vhi Members MultiTrip Travel Plan for a little as €49 per annum NurseLine 24/7 at no extra cost Vhi.ie for a wealth of health & lifestyle information And Much More…

  15. By choosing First Plan or Family Plan you can reduce the cost by almost 24% Plans provide full cover in Public hospitals only Reduce your cover and spend a little less ...

  16. Plans A-E & A-E Options are still available and members can stay on these Plans if they wish Transfer to LifeStage Choices is optional Existing Vhi Healthcare Members also have a Choice

  17. More Flexibility, More Choice LifeStage Choices Hospital Plans and HealthSteps Now even more ways to select the right Healthcare Cover

  18. Hospital Plans Hospital Cover • Widest choice of hospitals and consultants Plans for all hospitals • Covering the full spectrum of hospital facilities and accommodation types – private and semi-private rooms Can be Combined with HealthSteps • Providing Day-to-day Medical Expenses cover as an optional add-on

  19. Everyday Medical Expenses Cover GP Visits €20.00 €30.00 Annual Max. Dental Visits €15.00 €25.00 Unlimited Visits Consultant Visits €40.00 €60.00 Unlimited Visits Physiotherapist €20.00 €25.00 Annual Max. Eye Tests €20.00 €25.00 Every 2 Years Glasses/Lenses €35.00 €70.00 Every 2 Years Screening €75.00 €150.00 Every 2 Years G.P. Procedures Excluded Agreed Charges Unlimited Visits Consultant Pathologists fees Excluded €40.00 Unlimited Visits Consultant Radiologists fees Excluded €60.00 Unlimited Visits Alternative Medicine €20.00 €25.00 Combined Max.

  20. Vhi Healthcare Member Price Individual Couple* Family** Multi Trip - Worldwide €49 €69 €95 A WORLDWIDE ANNUAL TRAVEL INSURANCE POLICYEXCLUSIVE TO VHI HEALTHCARE MEMBERS FROM AS LITTLE AS €49… • Cover for pre-existing medical conditions • No waiting periods and • No medical assessment to complete *One adult plus any other person under 65 years **One/two adults plus any number of dependent children under 18 years

  21. Assist from Vhi Healthcare Assist from Vhi Healthcare is a medical emergency advice helpline which is available to all Vhi Healthcare members while on holidays abroad or on a temporary stay abroad. Assist from Vhi Healthcare provides: • Medical cover ranging from €65,000 to €100,000 • 24 hour emergency advice and information service • Repatriation to Ireland up to €2 million

  22. Plan B €544.53 Plan B Excess €481.37 Plan A €381.01 First Plan €459.46 Family Plan €468.70 First Plan Plus €570.67 Family Plan Plus €579.91 Premiums Compared

  23. Special Concession Offer • Immediate Cover • 26 Week Waiting Period Waived • Group Number 122 This offers applies to staff and their Dependants, full indemnity for new medical conditions.

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