Smart Plan 250

One of our most cost-effective plans, Smart Plan 250 gives you access to great value family health insurance with a difference.

Explore this plan's benefits

Your hospital accommodation – what you’re covered for…

• Cover in a select range of public and private hospitals with semi-private room accommodation.  You can find the list of selected hospitals for Smart Plan 250 here

• 2,500 in-patient consultants.

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

• Private hospital excess - €250

Your everyday medical expenses – what’s included…

• Annual benefit up to €1,000 per person. (excess €250)

• Consultants - €60 per visit (7 x visits)

• 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 €250, we will then pay remaining eligible benefits right up to the value of €1,000. Take a moment to review the Table of Benefits for more details.

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

• Public hospital benefit of €400.

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

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 have exclusive benefits:

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

  • Follow up treatment after this consultation for x-rays, tests and medical aids, we pay 50% of the total cost and the max you will pay is €150 per visit.

See this plans table of benefits for more details.

You get more with Vhi Healthcare – our extras

• Vhi VisionCare is an exclusive online eye screening service available to you. Register or login to MyVhi to find out more.

• We’ll cover you for up to three physiotherapy visits with The Physio Company.

• You can access Snap & Send claiming, your digital membership card and your policy documents in MyVhi

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

• In-patient mental health treatment for up to 100 days 

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

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.

Vhi Healthcare members - extras

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

• Offers and discounts – for example, you can avail of a 15% discount on laser eye surgery.    

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.

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

Plan benefits are updated occasionally.