Terms of Use

Access to Vhi's website is provided on the understanding that:

The Terms and Conditions of Use have been read by the user (see below).

Vhi will attempt to keep the information and the resources contained on or accessible through this site timely and accurate, but makes no guarantees, and disclaims any implied warranty or representation, about its accuracy, relevance, timeliness, completeness, or appropriateness for a particular purpose.

Vhi may change or modify the information, services and any other resources contained on or accessible through this site, or discontinue this site altogether, at any time without notice.

Vhi may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement. Accordingly, you agree to review this agreement periodically, and your continued use of this site shall be deemed your acceptance of the modified agreement.

Terms and Conditions of Use

Please read the following terms and conditions of use carefully and completely before using this site. By using this site and the links accessible through it you expressly agree to be bound by this agreement and to be subject to all additional disclaimers and caveats that may appear throughout the site. The information and the resources contained on and accessible through this site are only made available by Vhi subject to your agreement to the following terms and conditions:

Use of Information and Resources

Vhi makes this site and the links accessible through it, available only for the purpose of providing general information on Vhi health insurance and on health-related issues. This site and its health-related information and resources are not intended to be a substitute for professional medical advice or for the care that patients receive from their doctors. Nothing in this site, or the links accessible through it, is intended to be used for medical diagnosis or treatment and information contained on this site should not be relied on for that purpose. Always seek the advice of your doctor before beginning any new treatment or if you should have any questions regarding a medical condition. You should not disregard medical advice, or delay seeking medical advice, because of something you read in this site or the links accessible through it.

You understand and agree that Vhi is not responsible or liable for any claim, loss or damage directly or indirectly resulting from your use of this site or the information or the resources contained on or accessible through this site.

You will not directly or indirectly place on the website any material that (i) infringes on the intellectual property rights of any third party or any rights of publicity or privacy, (ii) violates any law, statute, ordinance or regulation (including without limitation, the laws and regulations governing export control, unfair competition, anti-discrimination or false advertising), (iii) is defamatory, libellous, threatening or harassing, (iv) is obscene, pornographic or harmful to minors or (v) contains any viruses, or other computer programming routines that damage (or are intended to damage), detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information ("Offending Content"). You agree to indemnify Vhi for all losses, damages, liabilities and reasonable expenses which they incur in the defence of any third party claim arising in connection with placement of Offending Content by you on the website.

Collection and Use of Technical Information

Cookies are small pieces of information, stored in simple text files, and placed on your computer by websites.
Vhi.ie uses session cookies to enable certain parts of our website to work, e.g. to remember your choices as you work through an online quote or online purchase, or when you log in to MyVhi. These cookies only last for the duration of your browsing session on Vhi.ie.
Vhi.ie uses Google Analytics which uses cookies to monitor and understand traffic on our website, what pages are being viewed, and where our online visitors are coming from (e.g. search engines, online ads etc). These cookies collect information anonymously and report website trends without identifying individual visitors.
Vhi.ie also uses targeting and advertising cookies from third parties such as Google’s DoubleClick. These cookies are used, for example, to deliver advertising that is relevant to you when you visit other websites, and to measure the effectiveness and conversion rates of advertising campaigns. You can access more information on how Google uses cookies at this link - http://www.google.com/policies/privacy/cookies/types/
You may opt out of receiving cookies by changing settings on your web browser. Usually you can decide to accept or reject cookies on a case by case basis, or you can decide to block all cookies. Check your browser’s help section for specific details about how to disable cookies. Please note if you opt-out of receiving cookies some parts of our website may no longer work properly.
For more information about cookies and how to block them, visit http://www.aboutcookies.org

Disclaimer of Warranty

Vhi disclaims all express or implied representations or warranties regarding the information, services, and any other resources available on or accessible through this site, including (without limitation) any implied warranties. All such information, services and other resources are made available "as is" and "as available" without warranty of any kind.

Vhi disclaims all responsibility and liability of any description, including without limitation liability for negligence, incidental or consequential damages and/or loss suffered by any person acting or refraining from action as a result of or in connection with material on this site, to include any reliance placed by such person on such material, or the viewing or use or performance of this site.

Disclaimer and Confidentiality Notice

This e-mail and any files transmitted with it contain information which may be confidential and which may also be privileged and is intended solely for the use of the individual or entity to whom it is addressed. Unless you are the intended recipient you may not copy or use it, or disclose it to anyone else. Any opinions expressed are that of the individual and not necessarily that of Vhi. If you have received this e-mail in error please notify the sender by return. This footnote also confirms that this e-mail message has been swept for the presence of computer viruses.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Vhi be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential damages or any damages whatsoever, resulting from any loss of use, loss of data, loss of profits, business interruption, litigation, or any other pecuniary loss, whether based on breach of contract, tort (including negligence), product liability or otherwise arising out of or in any way connected with the use or performance of this site with the delay or inability to use this site, including for the avoidance of doubt reliance on information provided on this site, with the delay or inability to use this site, or with the provision of, or failure to make available any information, services, products, materials or other resources available on or accessible through this site, even if advised of the possibility of such damages.

Vhi does not guarantee the sequence, accuracy, or completeness of any information or content on this or any other internet sites and shall not be liable in any way to you or anyone else who may use the information or content or to whom the information or content may be furnished, for any delays, inaccuracies, unavailability, errors or omissions therefrom or in the transmission or delivery of all or any part thereof or for any damage arising therefrom or occasioned thereby.

You acknowledge and agree that the limitation set forth above are fundamental elements of this agreement and the site would not be provided to you in the absence of such limitations.


You agree to indemnify, defend, and hold harmless Vhi from any liability, loss, claim, and expense (including reasonable legal fees) related to your violation of this agreement.


Vhi's failure to insist upon strict enforcement of any provision(s) of this agreement shall not be construed as a waiver of any provision or right.

Vhi serves Vhi members, Irish residents and employers whose principal place of business is in Ireland. Vhi is licensed to underwrite health coverage in the Republic of Ireland only and does not engage in the business of insurance outside Ireland, except as may be permitted by law. Nothing contained in this website, with the exception of the Policy Manager Section, shall constitute a solicitation, offer or acceptance of a contract of insurance or be construed as creating or modifying any agreement with Vhi Healthcare.

This agreement and the resolution of any dispute related to this agreement or this site shall be governed by and construed in accordance with the laws of Ireland. Any legal action or proceeding between Vhi and you, related to this agreement or this site shall be brought exclusively in a court of competent jurisdiction sitting in Ireland.


All materials on this server and this web site, including the site's design, layout and organisation are owned or licensed by Vhi and protected by copyright.

Only personal use of such materials is permitted, which means that you may access, download, or print such materials for your personal, non-commercial use only. You agree not to change or delete any copyright or proprietary notice from materials downloaded from this site or any site accessible through this site.

Without the prior written permission of Vhi you may not publish, copy, reproduce, distribute, transfer, or otherwise use any materials contained on this site, or any materials accessible through this site, in whole or in part. Requests for permission to publish, copy, reproduce, distribute, transfer or otherwise use such materials should be e-mailed to Vhi.

By using this site you expressly agree to be bound to the foregoing terms and conditions.

Access to Member Services

Access to Member Login is provided on the understanding that:

  • Member Self Service is provided to allow registered current Policyholders to view and administer their health insurance cover from Vhi.
  • Policyholders act for all members included on the policy.
  • Use for any other purpose is prohibited.
  • Vhi will endeavour to provide access to the system at the agreed times, but no warranty is given.
  • Vhi may terminate access to Member login at its own discretion.


  • The Policyholder undertakes that, to the best of his/her knowledge and belief, any information provided via Member Login is true and complete.
  • Inappropriate use of Member Login will result in access to Member Login being revoked by Vhi.
  • The information disclosed by Member Login is within the terms of Vhi's registration under the Data Protection Acts 1988 -and 2003 (as amended).


  • The Policyholder undertakes that, to the best of his/her knowledge and belief, any information provided via Member Login is true and complete.
  • Inappropriate use of Member Login will result in access to Member Login being revoked by Vhi.
  • The information disclosed by Member Login is within the terms of Vhi's registration under the Data Protection Acts 1988 and 2003 (as amended).


The customer by agreeing to receive documentation online is confirming to Vhi their preference of communication.
All future policy documentation and claims statements will be sent to the customer online only.
Any policy changes or claims that are in progress at the time of the customer changing their documentation preferences will continue down the existing correspondence route.


We will send you Email/SMS alerts informing you of new documents which can be viewed via your inbox. The information contained in these documents is accurate at the time they were issued to you.
Subsequent updates to your policy documentation will be included in the current versions which can be viewed in the policy and claims sections.

Acting on Instructions

The Policyholder authorises Vhi to act upon all instructions received in respect of his policy or policies (once accompanied by the appropriate login details) which have been or appear to Vhi to have been issued by the Policyholder, without taking any further steps to authenticate such instructions.
Vhi will accept instructions from Policyholders 24 hours a day, 365 days of the year. Instructions will be effected as soon as is reasonably possible.


Vhi shall record Instructions received by way of Policy Manager and, in the event of any dispute arising in relation to any instructions or alleged instructions, the record so kept by Vhi shall be proof of such instructions or alleged instructions for the purpose of such dispute.

Alteration of the Terms and Conditions

These terms and conditions may be altered by Vhi at its discretion from time to time and will be altered by Vhi to comply with any regulatory directive or to enhance the security of Policy Manager. Any such alteration will be notified to you by a posting an updated version of the terms and conditions on this Website.


Communications between members and Vhi via the Ask the Experts service are not encrypted - please do not use these services if this causes you concern.


Standards Compliance
All pages on this site were developed to reach conformance rating Double A with WCAG and comply with all priority 1 and 2 checkpoints of the Web Content Accessibility Guidelines v 1.0.


The site uses Cascading Style Sheets (CSS) for layout and visual formatting (with rare exception for certain components of some pages). If your browser does not support CSS or your wish to turn it off then all pages are still easily readable and actionable.
All fonts are scalable - most browsers provide a means to specify default base text-size.


If you have any questions or comments please feel free to provide us with feedback.

Accessing our Services

At Vhi we aim to make your contact with us as trouble free as possible. In support of this we are committed to:

  • Ensuring that access to our public offices is made as easy as practicable.
  • Operating a Minicom service for our customers with hearing or speech difficulties in our call centre (056-7707933) and operating a Loop system in all our public offices.
  • Maintaining the service provided to our blind or visually impaired customers by supplying some of our literature on CD or in Braille on request.

For full contact details including a link to our e-mail service please click here.

Access Officer

In accordance with Section 26(2) of the Disability Act 2005, Vhi has appointed Carol McGrath as Access Officer.

As Access Officer, Carol is Vhi's nominated point of contact for people with disabilities who require assistance or guidance in accessing our information and services.

Contact Details are as follows:
Carol McGrath
Lower Abbey Street
Dublin 1
Telephone: 01 6147346
E-mail: carol.mcgrath@vhi.ie

Inquiry Officer under the Disability Act

In accordance with Section 39(1) of the Disability Act 2005, Vhi has appointed Dermot Maguire as Inquiry Officer.

As Inquiry Officer, Dermot will investigate a complaint made in relation to sections 25 - 28 of the Act. Our procedure for dealing with complaints is set out here.

Contact Details are as follows:
Dermot Maguire
Lower Abbey Street
Dublin 1
Telephone: 01 7997079
E-mail: dermot.maguire@vhi.ie