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Supporting you during COVID-19 (Coronavirus)

Vhi is continuing to work hard to support you through COVID-19

COVID-19 and MultiTrip Travel Insurance

Due to travel restrictions as a result of COVID-19, Vhi provided all customers who were Vhi MultiTrip customers on 31st December 2020 with six months free extension of cover. From 1st September 2021 we have introduced an enhanced COVID-19 benefit for all Vhi MultiTrip customers renewing from this date and for new customers. If you took out a Vhi MultiTrip policy prior to 1st September 2021 or you still receiving a free extension of cover some of your Vhi MultiTrip benefits will differ.

Vhi MultiTrip Information

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COVID-19: GENERAL QUERIES

What are the enhanced Covid-19 benefits on my MultiTrip policy?

For a summary of your benefits including COVID-19 related cover for policies purchased on or after 1st September 2021, please log into MyVhi or see current Terms and Conditions here

How can I identify if I have Covi19 enhanced benefits on my MultiTrip policy?

All new policies purchased with an effective date of the 01st September 2021 or after have the enhanced benefits automatically added to their policy. Customers who are existing MultiTrip members can check by logging into MyVhi.

I am an existing customer and I would like the enhanced Covid-19 benefits. What do I need to do?

It’s simple - all you need to do is click here to purchase your new plan with enhanced Covid 19 benefits.

We will cancel your existing policy and send you out new documentation.

* Please note: if a person on your policy has turned 21 or 65 since your last renewal, they will need to purchase their own policy online as they are no longer eligible for a family or a couple under 65 policy.

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COVID-19: CANCELLING YOUR TRIP

If I contract Covid-19 and cannot go on my trip, how am I covered under Vhi MultiTrip?

For policies with a start date on or after the 01/09/2021.

  • Cancellation cover is in place if within 14 days of the start of your trip, you or any named person on your policy test positive for COVID-19. This cover provided only applies if you test positive and have a certified positive test. If you have not received a certified positive test result before departure, then cancellation cover will not apply. We will not accept any other test in validation of a cancellation claim.
  • Cancellation cover is in place if you or someone travelling/ staying with has been hospitalised/dies because of Covid-19.
  • Cancellation cover is in place if you are certified as too ill to travel due to COVID-19 by a medical practitioner.
  • For existing customers there is no cover if you have a policy that started before 01/09/2021. Please check  MyVhi.

I have not tested positive for Covid-19 but have been told that I must self-isolate. How am I covered?

  • For policies with a start date on or after the 01/09/2021.
  • Cancellation cover is only in place if within 14 days of the start date of the trip you, or any named person on your policy test positive for COVID-19. This cover provided only applies if you test positive and have a certified positive test. If you have not received a certified positive test result before departure, then cancellation cover will not apply. We will not accept any other test in validation of a cancellation claim.
  •  There is no cover if you have a policy that started before 01/09/2021.

Do I have cover for cancellations if I or one of my children contract or test positive for COVID-19 before we travel?

  • For policies with a start date on or after the 01/09/2021.
  • Cancellation cover is in place if within 14 days of the start date of the trip you, or any named person on your policy test positive for COVID-19. This cover provided only applies if you test positive and have a certified positive test. If you have not received a certified positive test result before departure, then cancellation cover will not apply. We will not accept any other test in validation of a cancellation claim.
  • There is no cover if you have a policy that started before 01/09/2021. 

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COVID-19: CUTTING SHORT YOUR TRIP (CURTAILMENT)

Is there cover if I test positive at the airport?

For policies with a start date on or after the 01/09/2021

  • If you are unable to depart from Ireland because you test positive for COVID-19 following a test taken on the day of your scheduled departure, which are administered at your departure point ( e.g. airport) you will be covered on your policy.
  • There is no cover if you have a policy that started before 01/09/2021.

 If I am diagnosed with Covid-19 whilst on my trip and must self-isolate in my accommodation, can I claim for any cancelled excursions?

For policies with a start date on or after the 01/09/2021

  • You can claim the pre-paid activities, if the excursion is the reason for going on the trip e.g. Euro Disney, Safari. This needs to be paid and booked for in advance of travelling.

Note: ski packs and green fees (golf) are only coved with the optional add on.

  • Concert, premier league football match could be claimed under this section providing they were pre-paid or contracted to pay before the trip started and was the sole purpose of the trip.
  • There is no cover if you have a policy that started before 01/09/2021.

If I am diagnosed with Covid-19 whilst on my trip and must self-isolate in my accommodation can I claim for the unused part of my trip.

For policies with a start date on or after the 01/09/2021

  • There is cover under cutting your trip short, if you contract Covid-19 and have to self-isolate.
  • There is cover for the unused accommodation up until your original return date.
  • There is cover for the original cancelled flight.
  • There is no cover for expenses incurred after the original return date has passed.
  • There is no cover if you have a policy that started before 01/09/2021.

What happens if I contract COVID-19 while I am away and have to stay beyond the return date of the trip? What cover do I have?

  • For all policies, cover will only apply if you are hospitalised because of COVID-19 and need to stay longer than the scheduled return date. If you test positive for COVID-19, meaning that you cannot return on original return date, but do not require any medical treatment, there is no cover for your extended stay costs.

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COVID-19: MISSED DEPARTURES FROM IRELAND

Is there cover if my test results are delayed in the airport?

There is no cover if you have a policy that started before 01/09/2021.

For policies with a start date on or after the 01/09/2021:

  • There is cover If you are required to produce, a negative COVID-19 test result before exiting Ireland and the result is delayed causing you to miss your departure or connection.  This cover is restricted to tests taken on the day of your scheduled departure. Please refer to your Terms and Conditions for full details.

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COVID-19: MEDICAL COVER

How am I covered if I am hospitalised abroad due to Covid-19

All of our travel policies include medical cover, if hospitalised due to Covid-19 up to €10 million.

A member of my family has been admitted to hospital while abroad, therefore we have to extend our trip. How are we covered under Vhi Multitrip?

  • For all policies, if an insured member is hospitalised due to Covid-19, the cover for extended accommodation and flights is limited to €3,000 per policy (not per person).

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Advice and FAQs

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VHI HEALTH INSURANCE - FAQs

The HSE are providing guidance and advice on COVID-19. This advice should be followed at www.hse.ie/coronavirus

Is SwiftCare still open for patients to attend?

At Vhi SwiftCare Clinics we have put plans in place to safely manage all our patients during the COVID-19 pandemic. In order to minimise the risk of spending time in open waiting areas, we have moved to an appointment only service.

How can I get an appointment for SwiftCare?

Please call us before attending the clinic on 01 448 2450 and we will organise an appointment for you. Appointment hours will be 10am to 8pm, Call Centre hours 9am to 8pm.

How should I pay for my SwiftCare appointment?

In the interest of patient safety, we request that payments are made by contactless card / phone, where possible.

I have an appointment booked in Vhi Screening. Will this go ahead?

Our screening service is temporarily closed due to COVID-19 and will resume in due course. If you would like more information, please call: Vhi Screening Centre 056 775 3010

Can I use my day to day benefit for an online GP consultation?

Day-to-day GP benefit can now be used to claim for telephone or online GP consultations provided by any registered GP (as per your Table of Benefits).

Does Vhi have an online GP service?

Vhi online GP is available via the Vhi Health Assistant App between 8.00am - 10.00pm Monday to Friday and 10.00am - 8.00pm on weekends.

I am abroad and need to be hospitalised, am I covered?

Vhi health insurance customers are covered for hospitalisation up to the maximum on their plan (€65K or €100K, see plan detail).

Customer queries should be made to the Vhi Assist Team.

Travel to USA & Canada: 1800 364 9022

Travel to Rest of World: 01 448 2444 or 00353 1 448 2444

If I choose to travel to a country on the DFA’s non-essential travel list will I be covered?

Yes, you will be covered under Vhi Assist for emergency medical events including for COVID-19, if you travel to a country with an ‘Avoid all non-essential travel’ warning i.e. an Orange security rating as defined by the DFA, in accordance with the rules of your health plan. We will not however, provide cover if you travel to a country with a 'Do Not Travel' warning i.e. a Red security rating. This position is reviewed by Vhi on a regular basis and may be subject to change. We recommend that you check the up-to-date position with us prior to travel. Here’s how you can get in contact:

Customer queries should be made to the Vhi Assist Team.

Travel to USA & Canada: 1800 364 9022

Travel to Rest of World: 01 448 2444 or 00353 1 448 2444

Vhi Healthcare are committed to meeting the needs of our customers during the Covid-19 emergency. We are providing an additional range of supports and alternative means of accessing benefits during Covid-19. Click here to find out more about the interim Terms and Conditions that apply to these services.

 

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VHI INTERNATIONAL - FAQs

Vhi are reducing premium on domestic PMI / Dental plans, why am I not being offered a refund on my International insurance?

Your international health insurance policy is not affected.

Vhi International health insurance covers members for private medical care all over the world. Governments worldwide are applying different measures to combat COVID-19. Vhi International offers extensive medical cover for members including those who are diagnosed with COVID-19.

 

I have returned to Ireland temporarily and intend to return overseas once travel restrictions are lifted. Can I move to a domestic PMI plan while in Ireland?

Vhi now offers cover in Ireland for up to 179 days so you have full cover for in-patient treatment, day to day expenses etc. in Ireland.

However, if you wish to move to a Vhi private health insurance plan, there is no issue doing so and returning to Vhi International when you leave Ireland again. Your waiting periods will remain intact as we offer a seamless transition between our domestic and international healthcare plans.

 

I am a Vhi International member and currently based overseas, what is my medical cover for COVID-19?

If you are abroad and hospitalised in relation to COVID-19, please call +353 46 9077377

I am due to travel to an affected area for a work assignment, am I covered?

For countries the DFA advises ‘avoid non-essential travel’ if it is essential for you to travel to an affected area, you will be covered for medical treatment under the terms and conditions on your policy. Travelling for work is considered as essential travel. There is no cover if travelling to an area the DFA website advises ‘do not travel’.

I have a travel claim under Vhi International, do I follow the guidelines of the local government in the country I reside in?

Vhi International will accept guidelines from either the local government in the country where you reside, or the DFA.

For medical or claims queries please call +353 46 9077377

For members in the USA call the toll free line: 1800 852 7747

You can also email us at vhi.international@collinsongroup.com

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VHI DENTAL - FAQs

Why did you decide to waive the premium by 30%?

Most dental practices are open for emergency treatment only with other non-essential treatments and treatment plans postponed. In recognition of this, we are waiving 30% of premium for Dental Insurance for the three months.

Why 30% on Vhi Dental when you are waiving an average of 50% on PMI?

These are different products and there are different circumstances resulting in the waiver. Full annual benefits and limits are still available to you over the 12 months of your contract. As a result, we are waiving 30% of premium for Dental Insurance for the three months.

We looked at the likely fall off in claims figures and the cover provided for; based on this came up with the percentage waiver amount.

My dental policy is due for renewal. Why should I renew when I cannot be provided with a service?

By renewing your policy now, it allows you to renew your policy on the existing price. Should there be any price changes throughout the year, your policy will be unaffected.

Emergency dental treatment is covered under the plan

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The Health Service Executive (HSE) and the Department of Foreign Affairs and Trade (DFA) are regularly updating their advice.

 

For information regarding the COVID-19 situation in Ireland please see the HSE website at www.hse.ie/coronavirus

 

For information regarding travel and to see the list of areas where nonessential travel is advised against, visit the Department of Foreign Affairs Website at www.dfa.ie/travel/travel-advice/coronavirus

 

For information about impacts to your policy please refer to the relevant section below.

Supporting your health and wellbeing

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ONLINE HEALTH TEAM

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MEET THE VHI HEALTH SQUAD

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EMOTIONAL WELLBEING

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MUM AND BABY SUPPORTS

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WELL@HOME

Advice and supports for our 'cocooning' members at this time.  Find out more >

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For all enquiries, you can call us on 056 444 4444.

Email us at: info@vhi.ie

A limited web chat service is available here.

 

Vhi NurseLine - call 1800 247 724 or from abroad call +353 46 90 77375

Vhi Online Doctor - please book an appointment through the Vhi Health Assistant App.

Or see our Vhi SwiftCare Clinics

 

We have taken the decision to close our public offices for the health, safety and welfare of our staff and customers. Offices will re-open as soon as it is safe to do so. We apologise for any inconvenience caused at this time.