Your Renewal Guide

Benefit changes

How will I know if plan benefits have changed since my last renewal?

Any changes to your plan at renewal are highlighted using the '!' symbol in the Table of Benefits. You can refer to your previous year Table of Benefits for comparison purposes.

Plan changes

Can I have different plans for each member of my family?

Yes, each member of the policy can have a different plan to suit your needs.

If you increase your cover, will a waiting period apply for the higher level of cover?

You will still be covered for the lower level of cover previously held. For more information you can refer to the, 'Renewing the policy' section, in the "Rules - Terms and Conditions" of your plan.

Can I change\cancel my plan mid-year?

You can change\cancel your plan at renewal. A cooling-off period of 14 days applies from your renewal date. All policies are 12 month contracts and losses and expenses may apply if you breach your contract mid-year. No losses/expenses apply if you are going overseas for more than six months, or if you cancel your Vhi Hospital Plan and you buy Vhi International.

I've recently had a new baby, can I add them to my policy?

You can include a dependant on your policy at any time. If you include a new baby on your policy within 13 weeks of their date of birth, your new baby will be covered free of charge from date of birth until the next renewal date after his/her birth. For more information, please refer to Section 2 – Joining Vhi Healthcare, in the "Rules - Terms and Conditions" of your plan.

Can I add a dependant mid-year?

Yes, you can add a dependant at any stage of the 12 month contract.

Can I remove a dependant from my policy?

You can remove a dependant at renewal date only, unless they are transferring to a Vhi International policy.

How do Lifetime Community Rating rules affect you?

If you are aged 35 or over and do not have health insurance before 1st May 2015, your premium may cost more due to the introduction of Lifetime Community Rating. Read more information on Lifetime Community rating here.

I am a dependant on a policy, how can I cancel my cover?

The policyholder must remove you from cover. Once you are removed from cover, Vhi Healthcare will then write out to you to discuss your cover options.

I'm planning to work overseas in the near future. What happens to my Vhi Healthcare cover?

You can renew now and switch to Vhi International when you are starting your trip. You will have access to comprehensive cover abroad and there will be no additional waiting periods. And when you come home, you can re-join our domestic plans with no break in cover.

Please note: This information is issued as a guide only and does not form part of a contract.