Parents & Kids Excess Plan

With fast access to cutting edge treatments and cover in hospitals around Ireland, this family health insurance plan gives you real peace-of-mind and choice too.

Explore this plan's benefits

Your hospital accommodation – what you’re covered for…

• Full cover in a wide range of private hospitals with semi-private room accommodation and semi-private and private rooms in public hospitals.

• Cutting-edge care in both cancer and cardiac fields

• 2,500 in-patient consultants.

• Medical costs of in-patient diagnosis and tests covered too.

• Private Hospital excess - €75

Your everyday medical expenses – what’s included…

• Annual benefit up to €3,200 per person. (excess €100)
• GP - €25
• Consultants - €60 per visit
• Referrals to consultant pathologists - €60 per referral
• Consultant radiologists, per procedure - €60

• Vhi Online Doctor - full cover for 6 visits available through the Vhi App

The excess means that when your eligible benefits have exceeded the value of €100, we will then pay remaining eligible benefits right up to the value of €3,200. Take a moment to review the Table of Benefits for more details.

Vhi SwiftCare Clinics – dedicated benefits for Vhi customers

Why wait to be treated for minor injuries and illnesses? Vhi SwiftCare Clinics will aim to treat you within the hour and as a Vhi customer you can avail of the following exclusive benefits:

• Initial consultation cost is €125 – you pay €50.

• Follow up treatment package after this consultation for x-rays, tests and medical aids, we pay 50% of the total cost and the max you will pay is €100 per visit.

See this plans table of benefits for more details.

You get more with Vhi Healthcare – our extras

• NurseLine 24/7 - qualified nurses can answer your questions over the phone day and night.

• Register with MyVhi to get your digital membership card, use snap and send claiming, view your policy benefits, online documents and more.

• Offers and discounts – like 15% discount on laser eye surgery.

• Second Opinion for Kids service offers you a medical second opinion for your child. For more details call 1850 247 724.

• Vhi VisionCare is an online eye screening service available exclusively to you.

• Unique genetic testing cover which helps determine if you are at risk of developing breast, ovarian or colorectal cancer and to ensure any treatment is right for you.

Newborns, mums and more – what you’re covered for…

• Full cover in a public hospital for three days.

• In-patient maternity consultant fees – agreed charges.

• One-to-One midwife pregnancy support service -  giving new and experienced mums the support they need, over the phone, right throughout their pregnancy

• €4,000 in home birth benefit.

New Maternity & Baby Bundle

Our new Maternity & Baby bundle gives you and your baby access to a wider range of new and improved benefits to support you throughout your pregnancy. 

You’ll have the flexibility to choose from benefits such as a maternity scan, yoga, Pilates and ante natal classes through to breast feeding consultations and baby swim classes.
Find out more in the table of benefits below.

Cover towards fertility - part of your plan...

Benefit towards the cost of specific fertility tests and treatments when carried out in a Vhi participating fertility treatment centre.

Caring for you and the family – home or away

• Cover of up to €65,000 if any medical emergencies arise. 

• Cover treatment that is not available in Ireland up to €65,000 as long as it’s approved in advance.

Mental health and well-being – part of your plan…

• In-patient mental health treatment for up to 180 days

• Day care psychiatric treatment for approved day care programmes

• 91 days in-patient treatment for alcoholism, drug or other substance abuse in any five-year period.  

Don't forget...

If you are taking out health insurance for the first time, renewing on a higher level of cover or moving from another Irish health insurer, waiting periods may apply.  Please read our terms and conditions below to find out more about waiting periods.

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The plan benefits shown here apply to policies purchased and effective today.

Plan benefits are updated occasionally.