VHI Health Insurance

Smart Plan 500

One of our most cost-effective plans, Smart Plan 500 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.

• 2,500 in-patient consultants.

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

• Private hospital excess - €500.

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

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.

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

Plan benefits are updated occasionally.