When you need to make a claim, we're there for you

We try to make the claims process as easy and stress free for you as possible. To make a start, you can simply choose a category and you'll find everything you need to make your claim. This includes advice on assessing the eligibility of your claim and the specific forms you'll need to submit it, once you're sure that your claim is eligible.

Hospital

Hospital

We pay all hospitals directly

With Vhi Healthcare, you won't have to settle the bills yourself before making a claim. We have direct payment agreements with hospitals, ensuring you can just focus on getting better. To help us complete the payment, all you need to do is simply complete the relevant section of your claim form on admission to the hospital. Keep in mind the following...

  • Bring your Vhi Healthcare policy number for any planned admissions. Your policy number can be found on your Vhi Healthcare card
  • We will send you a claims statement after your treatment to confirm the benefit paid
  • Like all our members, you should review your claims statement to ensure the bills are consistent with the treatment you received, and to contact us if there are any discrepancies
  • All our members should review their claims statement to ensure the bills are consistent with the treatment received, and to contact us in the event of any discrepancies.

For the current Directory of Hospitals & Treatment Centres which have a direct payment agreement click here.

Non-direct hospital claims

In exceptional instances where we do not have a direct payment agreement with the treatment centre or convalescent home, the process is as follows...

  • You will need to settle your treatment bills with the facility
  • You can then submit a completed claim form to us signed by both you and your consultant
  • We will assess your claim and reimburse you directly for your eligible benefits
  • We will pay doctor's fees directly to the doctor. This is a requirement under legislation so any doctor's fees associated with hospital claims will always be paid directly by us.
 
Day to Day

Day-to-Day

How to claim for your day-to-day medical expenses

Claiming for your day-to-day medical expenses is easy. Below, you'll find an outline of what you need to do.

  • Firstly, you should submit your day-to-day receipts within three months of the end of your subscription year
  • Gather all your original receipts for each insured person on your policy
  • Then you can complete your day-to-day medical expenses claim form
  • You'll need to include the original receipts. And as they are not returned, it is a good idea to retain a copy
  • Please ensure that each receipt indicates the patient's name, date and type of treatment or service, charge amount and your practitioner's details
  • Finally, send your completed form to Vhi Healthcare, Po Box 11530, Dublin 18.
Out-Patient

Out-Patient

How to claim for your out-patient expenses

Claiming your out-patient expenses is very straightforward. Below, you'll find an outline of what you need to do.

  • Firstly, you should submit your day-to-day receipts within three months of the end of your subscription year
  • Gather all your original receipts for each insured person.
  • Then you can complete your out-patient expenses claim form
  • Remember to include the original receipts, and as they are not returned, it is a good idea to retain a copy
  • Please ensure that each receipt indicates the patient's name, date and type of treatment or service, charge amount and your practitioner's details
  • Finally, send your completed form to Vhi Healthcare, PO Box 11530, Dublin 18.

How do you know if you can make an out-patient claim?

1. First of all, you need to confirm the individual excess on your plan. Review the table below and select the excess figure relevant to you.

2. You must total your eligible expenses and subtract your excess from that figure. If the final amount is more than zero (0), then you have a claim.

Please see a sample calculation below...

Some Hospital plans provide limited cover for out-patient medical expenses such as GP fees. Before you can qualify to make a claim, the total eligible expenses for each insured member must exceed the annual individual excess on your plan. Please refer to your Table of Benefits for your plans excess.

Example of plan Annual excess per member
One Plan Access, HealthPlus Access and Parents & Kids Plan €300
One Plan Access Plus, HealthPlus Extra and Parents & Kids Option Plan €250
HealthPlus Choice, HealthPlus Premium and HealthPlus Platinum €200

Calculating your eligible expenses - please review in conjunction with your Table of Benefits

Illustration of a typical claim which does not reach the excess

HealthPlus Access - Out-Patient Expenses Claim
(one person) - for illustration purposes only

Expenses Type Medical Expenses Incurred Number of Visits Benefits Per Visit Eligible Expenses
GP Fees €200 4 €13 €52
Consultant Fees €150 2 €39 €78
Physiotherapy €200 5 €13 €65
Radiologists' and Pathologist fees' €50 1 €20 €20
X-rays and tests €50 1 €25 €25
Sub-total €650 €240
Less annual excess -€300
The money you get back €0

Submitting your claim

There is no need to submit a claim to us if the total eligible expenses do not exceed the annual excess for each insured member. But if you think you have exceeded the annual excess to make an eligible claim, please keep in mind the following points

  • We can only pay benefits when we receive a completed and signed claim form
  • You should submit the original receipts along with your claim, but as they are not returned it is advisable to retain a copy
  • Claims should be submitted within three months of the end of your subscription year
  • We will pay benefits for eligible expenses listed in Section 9 of your Table of Benefits as a lump sum at the end of each year.

To determine the appropriate benefit per visit, you should refer to your Table of Benefits document issued to you at the start of the annual contract.

Tax relief

Medical expenses not covered by Vhi Healthcare may be eligible for income tax relief. To find out how you can benefit from this relief, please contact your local tax office for details.

Maternity

Maternity

Hospital claims

If you attend a maternity unit, we'll pay your hospital costs directly to the hospital up to the limits of the maternity benefit on your plan. Our direct payment agreement, which is in place with all maternity hospitals, allows you to focus completely on your new arrival and we'll look after the rest.

And if you want to know more about the maternity benefits, please check your Table of Benefits that for your Vhi Healthcare plan.

Consultant fees

For your consultant's fees, we will pay a grant-in-aid contribution towards your delivery fee under your hospital claim. Please note that your pre and post natal care fees are subject to the benefit limits of your plan. You will need to submit an out-patient/day-to-day medical expenses claim form to us for these expenses.

Non-direct hospital claims

In exceptional cases where we do not have a direct payment agreement with the hospital, this is what happens...

  • You will need to settle your bills with the providers and submit a completed claim form to us
  • We will then assess your claim and reimburse you directly for your eligible benefits.

Home births

If you are having a home birth, you will need to settle your midwife's bills directly and then submit your receipted accounts to us with a completed claim form. You need to make sure the claim form is signed by the midwife and that the account is receipted. Remember to include a copy of the baby's birth certificate with the claim.

MultiTrip

MultiTrip

claim forms

Clicking the link below will take you to the website of the underwriter for Vhi MultiTrip. From there you will be able to request the relevant MultiTrip claim form.

How to make a Travel Insurance Claim on your Return Home

First of all, you should refer to your terms and conditions for details of what you are entitled to claim for. The full terms and conditions were provided to you when joining or you can click here to view.

  • You must fill out a MultiTrip travel insurance claim form. Claim forms can be requested see below or telephone Our Claims Helpline on +353 46 9077358
  • Submit your claim within 60 days of your return, on a policy claim form, accompanied by original invoices, receipts, reports and supporting documentation
  • Please remember that it is always advisable to retain copies of all documents when submitting your claim form.

Important contact information

1. For Medical Emergencies, Call Vhi Assist:

USA & Canada (Toll Free)

Tel: 1-800 364 9022
Fax:(+)353-1-44 82 442

The rest of the World (collect calls accepted)

Tel: (+)353-1-44 82 444
Fax: (+)353-1-44 82 442
E-mail: worldassist@vhi.ie

EuroCross International, P.O. Box 31300, 2200 GR Noordwijk, Netherlands.

2. For all other non-medical queries

Including assistance queries while You are away and claims queries upon your return:
Call MultiTrip Travel Helpline on:+353 46 9077358

Email vhitravelclaims@intana-assist.com

Emergency Cover Abroad

Emergency Cover Abroad

Claiming for emergency cover abroad - Important contact information

1) For Medical Emergencies, Call Vhi Assist:

USA & Canada (Toll Free) Tel: 1800 364 9022 Fax: (+)353-1-44 82 442

The rest of the World (collect calls accepted) Tel: (+)353-1-44 82 444 Fax: (+)353-1-44 82 442

E-mail: worldassist@vhi.ie

2) For all other non-medical queries

Including assistance queries while you are away and claims queries upon your return:

Call MultiTrip Travel Helpline on: +353 46 9077358

E-mail: vhitravelclaims@intana-assist.com

Your Vhi Healthcare health insurance plan covers all your eligible in-patient hospital charges up to a maximum* of €65,000 / €100,000 if you need emergency treatment while on holidays abroad.

*Check your policy documents for the maximum amount on your plan.

You should note that, to claim for eligible out-patient charges you will need to complete an Out-Patient Claim form. Out patient benefits are subject to an annual excess.

To be eligible to claim Emergency Cover Abroad benefits , you must be resident in Ireland for at least 180 days per calendar year.

How to claim for Emergency Cover Abroad

Claiming for emergency cover abroad is very straightforward. Below, you'll find an outline of our process and what you'll need to do.

  • First of all, you need to call the Assist helpline before you receive any medical treatment. In the event of an emergency or where you are physically unable to make the call, you should appoint a relative to call for you. The relevant emergency numbers can be found on the back of your World Assist Card
  • Please note that you should call the Medical Assistance/Pre-authorisation line before you receive any medical treatment. In the event of an emergency or where you are physically unable to call you should appoint a relative to call for you. The relevant telephone numbers can be found on the back of your World Assist Card
  • You won't have to pay any bills upfront as we will arrange for approved hospital treatment to be paid to the hospital directly
  • In the event that you do have to settle some hospital bills yourself, you can claim the money back from Vhi Healthcare by completing an Emergency Cover Abroad claim form. This can be sent out to you by post or you can print one from here
  • You need to keep all original receipts/invoices/accounts in relation to hospital and professional fee charges, and send them to us with the completed claim form
  • You must complete part one and part two of the claim form. The attending doctor must fully complete and sign Part 3 of the claim form
  • If you were treated in a public facility in an EU member state, you should apply to your local Health Board for an European Health Insurance Card prior to submitting your claim to Vhi Healthcare. A copy of your Health Board's response must also accompany any claim
  • If you had travel/accident insurance covering your trip abroad, a copy of the policy document must accompany the claim.
Vhi International

Vhi International

What you need to know to ensure a swift payment of your claim

At Vhi Healthcare, we want to make the claiming process as easy and efficient as possible for you. To make sure your claim is dealt with swiftly, please ensure you provide the following...

  • A fully completed claim form
  • A contact number and email address so that we may contact you should further details be required
  • Check that the bank details provided are correct
  • Please state the currency which you would prefer your payment to be in
  • Payments by cheque will be sent to the 'correspondence address' which you provide on this form
  • List your expenses separately in the columns in Section B and include all relevant details of your invoices/receipts - an additional sheet may be used if necessary.

Scan And Send

To make the claiming process as easy as possible for you, there is the option to "Scan and send". Simply scan your completed, signed claim form along with all relevant receipts and send them by email to: vhi.international@intana-assist.com

Or if you prefer, you can continue to send them by post to the following address:

Vhi International Claims Department,
Intana,
The Collinson Group,
IDA Business Park, Athlumney,
Navan, Co. Meath,
Ireland.

Please ensure you keep all original documents and receipts, as we may need you to submit them, if required, for audit purposes.

Dental

Dental

How to claim for dental expenses

Vhi Dental plans give you excellent cover for check-ups, examinations and cleanings along with great benefits for more costly dental treatments like fillings and crowns. Now we have made it even easier for you to use your Vhi Dental policy. There are two ways you can claim your Vhi Dental benefits through Dentist Direct Pay and Pay and Claim.

Dentist Direct Pay

With Dentist Direct Pay, you only pay the dentist for the costs not covered by your Vhi Dental plan. There's no need for you to submit a claim. The dentist will submit the claim to us and we'll reimburse the dentist directly.

Step 1: Before visiting the dentist

  • Select a dentist who is in the Vhi Dental Network - full list and make an appointment
  • You then must phone Vhi Dental before you visit the dentist - call: 046 9077337
  • Then, Vhi Dental will confirm your benefit entitlements to you and to your dentist.

Step 2: At the dentist

  • You attend the dentist for an Exam, Scale & Polish and if necessary X-rays
  • If further treatment is needed, the dentist will forward a treatment plan to Vhi Dental for approval before your next visit
  • Following treatment, you need to sign the claim form which the dentist will have
  • You should only pay the dentist for the costs that are not covered by your plan.

Step 3: Submit the claim

  • The dentist submits the claim to Vhi Dental
  • Vhi Dental pays the dentist directly.

To answer your questions Dentist Direct Pay Q&A

Pay and Claim

With Pay & Claim, you pay the dentist and then claim your benefits back from Vhi Dental.

Step 1: Before visiting the dentist

  • Check your policy or call our customer service team on 046 90 77337 to check your level of cover
  • Get a Vhi Dental claim form

Step 2: At the dentist

  • Bring the claim form to your dental visit
  • Following your treatment, pay the dentist
  • Get an itemised receipt
  • Ask the dentist to complete Section B and C of the Claim form.

Step 3: Submit your claim

  • Submit the fully completed claim form along with the original receipts to;

Vhi Dental Claims
Intana,
Collinson Insurance Services Ltd.
IDA Business Park,
Athlumney,
Navan,
Co. Meath

Things to note

  • You can submit a claim for your Vhi Dental expenses, as soon as each course of treatment is completed - there's no need to wait to the end of the year
  • You can attend any registered dentist
  • Claims are paid directly into your bank account within 10 working days
  • Your claims must reach us within 180 days of completion of each item of treatment.

Vhi Hospital Plans - Dental Claims

There are certain dental procedures by some dental practitioners that require pre-certification, they are...

  • The removal of buried tooth roots (single or multiple)
  • The removal of impacted or 'un-erupted' teeth
  • Mandibular implants (osseointegrated implants)
  • Periodontal/gingival surgery.

For treatment for any of these conditions, you need to complete and submit a: Dental Pre-certification claim form. Contact Vhi Healthcare on
1890 44 44 44 to find out if your dental practitioner requires pre-certification.

Please remember

All processed claims have an Explanation of Benefits which provides a breakdown of payments made to you. This statement can assist you with calculating expenses eligible for tax relief which can be recovered by completing a Med 2 form which is available from revenue.ie.

Backpacker

Backpacker

claim forms

Clicking the link below will take you to the website of the underwriter for Vhi Backpacker. From there you will be able to request the relevant Backpacker claim form.

How to make a travel insurance claim on your return home

First of all, please refer to your terms and conditions for details of what you are entitled to claim for. The full terms and conditions were provided to you when you joined or you can view them in vhi.ie/downloads.

Claim forms can be requested online or by telephone on our claims helpline on +353 (0) 46 9077381

Completed claim forms should be sent to:

Vhi Backpacker Travel Claims,
Intana,
Collinson Insurance Services Ltd.
IDA Business Park,
Athlumney,
Navan,
Co. Meath

or e-mailed to vhibackpacker@intana-assist.com

All claims must be submitted, within 28 days of your return, on a policy claim form, accompanied by original invoices, receipts, reports and supporting documentation.

Please remember that it is always advisable to retain copies of all documents when submitting your claim form.

How to make a travel insurance claim while travelling

In this case, you must contact our Claims Helpline on +353 (0) 46 9077381 and they will guide you through the process.

Canada Cover

Canada Cover

claim forms

Clicking the link below will take you to the website of the underwriter for Vhi Canada Cover. From there you will be able to request the relevant claim form.

How to make a travel insurance claim on your return home

First of all, please refer to your terms and conditions for details of what you are entitled to claim for . The full terms and conditions were provided to you when you joined or you can click here to view.

Claim forms can be requested online or by telephone on our claims helpline on+353 (0) 46 9077381

Completed claim forms should be sent to:

Vhi Backpacker Travel Claims,
Intana,
Collinson Insurance Services Ltd.
IDA Business Park,
Athlumney,
Navan,
Co. Meath

or e-mailed to vhibackpacker@intana-assist.com

All claims must be submitted, within 28 days of your return, on a policy claim form, accompanied by original invoices, receipts, reports and supporting documentation.

Please remember that it is always advisable to retain copies of all documents when submitting your claim form.

How to make a travel insurance claim while travelling

In this case, you must contact our Claims Helpline on +353 (0) 46 9077381 and they will guide you through the process.

All Other Claim Forms

All Other Claim Forms

Anaesthetists' Supplementary Claim Form

This form is for completion by the Consultant Anaesthetist who provides the services listed below in accordance with the Vhi Healthcare Anaesthesia Ground Rules contained in the Vhi Healthcare Schedule of Benefits for Professional Fees.

Benefits Direct to Member

The following benefits can be claimed using this claim form:

  • Return Home Benefit - Available following a hospital stay of 5 days or more on relevant plans
  • Parent Accompanying Child - Travel and accommodation expenses for parent/guardian accompanying a child (under 14 years at last renewal date) during that child's hospital stay in excess of 3 days
  • Cancer Care Support - Accommodation grant - available when a patient travels for out-patient cancer chemotherapy or radiotherapy treatment and is required to stay overnight in accommodation convenient to the hospital
  • Child Nursing - Nursing care at home (for a member under 18 years of age at last renewal date) following a stay in hospital of 5 days or more
  • Post-Natal Home Nursing Benefit - Home nursing, by a registered nurse, incurred within 3 days of delivery
  • Travel Vaccinations
  • Convalescent Home Nursing
  • Patient Support - Benefit towards the accommodation costs of a family member as detailed on relevant plans.

Oncology/Radiotherapy - Day Care & Side Room

This claim form is for submitting Onoclogy/Radiotherapy claims for Day Care & Side Room as specified in your Vhi Healthcare Rules - Terms and Conditions of membership.

Oncology CT Scan - Direct Payment

This claim form is for submitting an Oncology CT Scan claim, carried out at an approved Oncology CT Scan Center fully covered for out-patient Oncology CT Scans as specified in your Vhi Healthcare Rules - Terms and Conditions of membership.

Surgical Procedures

This claim form is for submitting surgical procedures claims as specified in your Vhi Healthcare Rules - Terms and Conditions of membership.

Private Ambulance - Direct Payment

This claim form is for submitting private ambulance direct payment claims.

Appliance Claim Form

This claim form is for submitting appliance claims. Details for each appliance that you are claiming for must be included.

Vhi Hospital in the Home Claim Form

This claim form is for submitting Hospital in the Home claims.

Hospital Intensive Care Claim Form

This form is for completion by the consultant who provides intensive care medicine in accordance with the Vhi Healthcare Intensive Care Medicine Ground Rules contained in the Vhi Healthcare Schedule of Benefits for Professional Fees.

Neonatal Intensive Care Claim Form

This form is for completion by the consultant who provides neonatal intensive care medicine in accordance with Vhi Healthcare's Neonatal Intensive Care Ground Rules contained in the Vhi Healthcare Schedule of Benefits for Professional Fees.

PMI0411 (English)

PMI0411 (Saudi)

This form is for submitting day-to-day medical expenses covered in your plan. The cover you have depends on the plan you hold. If you would like information on the benefit provided by your plan please refer to your Table of Benefits and Rules - Terms and Conditions.

HealthSteps Claim Form

This claim form is for submitting day-to-day medical expenses covered by your plan. The cover you have depends on the plan you hold. If you would like information on the benefit provided by your plan please refer to your Table of Benefits and Rules - Terms and Conditions.

Health Cash Plan Claim Form

This claim form is for submitting Health Cash Plan expenses covered by your plan. The cover you have depends on the plan you hold. If you would like information on the benefit provided by your plan please refer to your Table of Benefits and Rules - Terms and Conditions.

DentalCover.ie Claim Form

This claim form is for current DentalCover.ie members for submitting a dental claim.

MRI - Direct Payment

This claim form is for submitting an MRI claim, carried out at an approved MRI Center fully covered for out-patient MRI Scans as specified in your Vhi Healthcare Rules - Terms and Conditions of membership.

MRI - Non-Direct Payment

This claim form is for submitting an MRI claim, carried out at an approved MRI Center fully covered for out-patient MRI Scans as specified in your Vhi Healthcare Rules - Terms and Conditions of membership.

For more information on MRI, including links to MRI centre directories and the list of approved clinical indications for MRI scans, please click here.

Hospital- Direct Payment

This claim form is for submitting a Hospital claim direct to Vhi.

Maternity - Direct Payment

This claim form is for submitting your Maternity claim direct to Vhi.

Vhi Special Investigations Unit

We need your help

Our Special Investigations Unit (S.I.U.) look into inappropriate charging, claiming errors and other concerns our customers might have about the cost of their treatment.
We need your help to ensure we are not paying for services or treatment that you did not have. How can you help? We ask that you review the details on your claims statement and let us know if there are any errors.

What to look for

  • Mistakes in accommodation billed (public/semi-private/private)
  • Incorrect admission and/or discharge date billed
  • Procedure or treatment was not performed or cancelled
  • Incorrect drugs billed.

Anyone can contact our Special Investigations Unit (S.I.U.) where they have information to suggest that Vhi Insurance has been billed incorrectly. Your help may lead to an increase in savings for Vhi Insurance and our customers.

How to contact us

E-mail us: siu@vhi.ie (SIU queries only, for other enquiries see below)

Call us: 1 890 252 957 (SIU queries only, for other enquiries see below)

For all other queries please call us on 1890 444 444 (General Enquiries) or use our online enquiry form.

Special Investigations Unit

Since its inception in 2009, our investigations have saved over €47 million. The Special Investigations Unit (S.I.U.) is dedicated to ensuring that any errors/overcharging are fully investigated and corrected.

Where an error has been identified, we notify the provider and deduct any overpayments directly from the hospital or doctor.The hospital or doctor is also asked to ensure that their processes are amended to prevent any recurrence of the error.

If there are a number of queries or repeat errors with a particular hospital or service provider, an audit is conducted to identify the extent of the practice, the level of monies to be repaid to Vhi Insurance, and the redesign of processes to prevent any reoccurrence of inappropriate billing.

We will always contact you to provide feedback of the outcome of the investigation.

We are always looking for members feedback on our hospital claiming services. Why not take part in our Claims Feedback survey.