VHI Health Insurance

Smart Plan Family

One of our most cost-effective plans, Smart Plan Family gives you access to great value family health insurance with a difference. Smart Plans give you Vhi Online Doctor, your digital membership card and Snap & Send claiming.  Making it easier for you to manage your policy.

Explore this plan's benefits

Your hospital accommodation – what you’re covered for…

• Full 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 - €150.

Your Vhi Fertility programme

We will contribute towards the cost of various treatments at Vhi participating Fertility Treatment Centres. The treatments covered can include

• €100 discount on initial consultation

• €100 discount on semen analysis and AMH (hormone) test – subject to having completed initial consultation with a Vhi participating fertility treatment centre

• €450 towards one cycle of IUI treatment (female only)

• €1,000 towards two cycles of IVF or ICSI (female only)

• Fertility counselling and information from Vhi experts

• Holistic therapies, such as dieticians and acupuncturists

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

• Full cover in a public hospital for up to three days.

• In-patient maternity consultant fees – agreed charges.

• €250 towards consultants’ visits before and after the birth. (outpatient excess of €250 applies)

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

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.

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.

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.

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.

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.

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.