Terms of Use

Access to Vhi's website and mobile application 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 and mobile application 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 mobile application, or discontinue the site or mobile application 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 and mobile application 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 and mobile application. By using this site or mobile application 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 and mobile application. The information and the resources contained on and accessible through the site and mobile application 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.

Vhi makes the mobile application and the links accessible through it, available only for the purpose of providing access to your policy benefits and details, Vhi services like NurseLine 24/7, Snap & Send and your medical ID. This app 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 app, or the links accessible through it, is intended to be used for medical diagnosis or treatment and information contained on this app 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 app or the links accessible through it.

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

You will not directly or indirectly place on the site or mobile application 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 Healthcare 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 site or mobile application.

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 here.Vhi.ie uses a combination of session cookies and persistent cookies to deliver some elements of the site's functionality. Vhi.ie makes use of third party cookies to help complete web optimization activities. These activities include but are not limited to targeted experiments as well as visitor-level reporting data. Optimizely is the tool of choice for Vhi.ie in completing this. Optimizely creates and sends first and third-party cookies to the user's browser. Some of these cookies are persistent and others are session-based, but in all cases the cookies collect anonymous usage data that provides no value outside the application.

NameExpiryDescription
_ga12 Months from Last VisitGoogle Analytics - Keeps track of site usage and anonymous user information
_gat10 MinutesUsed to throttle request rate
_gat_UA-10228624-810 MinutesUsed to throttle request rate
_gat_UA-10228624-110 MinutesUsed to throttle request rate
__utmt10 MinutesUsed to throttle request rate
__utma12 Months from last visitUsed to distinguish visitors and pages visited. Records a unique ID, the date and time of first visit, time of current visit nd total number of visits made
__utmb30 Minutes from last visitUsed to determine new sessions or visits. Stores the number of page views in current visit and start time of visit
__utmz6 MonthsRecords the site you may have linked to our page from. Only records data if you clicked on a link to our site from a different website
_gid24 HoursUsed To distinguish users
optimizelyPendingLogEventsExpires after SessionWe use various analytical cookies to evaluate your use of our website. Although we put these cookies on your device, we obtain them from Google and from Optimizely. In addition to using the collected information for our analysis, we share this information with Google and Optimizely. These cookies stay on your device permanently, unless you delete them.
optimizelySegmentsExpires after SessionWe use various analytical cookies to evaluate your use of our website. Although we put these cookies on your device, we obtain them from Google and from Optimizely. In addition to using the collected information for our analysis, we share this information with Google and Optimizely. These cookies stay on your device permanently, unless you delete them.
optimizelyBuckets48 HoursWe use various analytical cookies to evaluate your use of our website. Although we put these cookies on your device, we obtain them from Google and from Optimizely. In addition to using the collected information for our analysis, we share this information with Google and Optimizely. These cookies stay on your device permanently, unless you delete them.
optimizelyEndUserId48 HoursWe use various analytical cookies to evaluate your use of our website. Although we put these cookies on your device, we obtain them from Google and from Optimizely. In addition to using the collected information for our analysis, we share this information with Google and Optimizely. These cookies stay on your device permanently, unless you delete them.
_dc_gtm_UA-10228624-1analyticsGoogle Tag Manager. Used to manage all scripts on the website.
SIDCC2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
SAPISID2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
APISID2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
SSID2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
HSID2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
SID2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
SAPISID2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
APISID2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
DV2 YearsWe use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.
CONSENT1 YearThese cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.
GAPS1 YearThese cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.
NID1 YearThese cookies are used by Google to store user preferences and information when viewing pages with Google maps on them.
SNID1 YearThese cookies are used by Google to store user preferences and information when viewing pages with Google maps on them.
OGPC1 YearThese cookies are used by Google to store user preferences and information when viewing pages with Google maps on them.
OGPC1 YearThese cookies are used by Google to store user preferences and information when viewing pages with Google maps on them.
1P_JAR -1 WeekGoogle uses these cookies, based on recent searches and interactions, to customise ads on Google websites.
AID1 WeekGoogle uses these cookies, based on recent searches and interactions, to customise ads on Google websites.
TAID1 WeekGoogle uses these cookies, based on recent searches and interactions, to customise ads on Google websites.
px1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
cid1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
fcap1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
con1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
pb1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
opt1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
DSID1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
IDE1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
FLC1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
id1 YearWe use third party cookies to measure the effectiveness of advertisement. Vhi.ie does not control the dissemination of these cookies. You should check the relevant third party website for more information about such cookies. Both the Doubleclick.net cookie (Id) and the ctnsnet.com cookies (Opt, pb, cid, px) measure the effectiveness of advertising.
JSESSIONIDPPExpires after sessionThis cookie is used to register the user’s session.
JSESSIONIDMVH2Expires after sessionThis cookie is used to register the user’s session.
JSESSIONIDWAMExpires after sessionThis cookie is used to register the user’s session.
Calling_URLExpires after sessionRecognition of which URL a customer uses to access the secure site.
ONTCredExpires after sessionThis is an essential security cookie for Payment.
ONTReqAuthenMethodExpires after sessionThis is an essential security cookie for Payment.

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 and mobile application, 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 or mobile applicatoin, to include any reliance placed by such person on such material, or the viewing or use or performance of this site and mobile application.

Disclaimer and Confidentiality Notice

E-mails 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 Healthcare. If you have received an e-mail in error please notify the sender by return. This note also confirms that the 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 Healthcare 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 and mobile application with the delay or inability to use this site or mobile application, including for the avoidance of doubt reliance on information provided on this site, with the delay or inability to use this site or mobile application, 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 and mobile application, 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 or mobile application would not be provided to you in the absence of such limitations.

Indemnification

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.

Miscellaneous

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 Healthcare serves Vhi Healthcare members, Irish residents and employers whose principal place of business is in Ireland. Vhi Healthcare 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 MyVhi and the mobile application, 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 and mobile application shall be governed by and construed in accordance with the laws of Ireland. Any legal action or proceeding between Vhi Healthcare and you, related to this agreement or this site or the mobile application shall be brought exclusively in a court of competent jurisdiction sitting in Ireland.

Copyright

All materials on this server, this website and mobile app, including the design, layout and organisation are owned or licensed by Vhi Healthcare 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 and mobile app or any site accessible through this site or mobile app.

Without the prior written permission of Vhi Healthcare you may not publish, copy, reproduce, distribute, transfer, or otherwise use any materials contained on this site or mobile app, or any materials accessible through this site and mobile app, 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 Healthcare.

By using this site and mobile app 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.

Data

  • 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).

Access to MyVhi

Access to MyVhi is provided on the understanding that:

  • MyVhi is provided to allow registered current Policyholders to view their health insurance cover from Vhi Healthcare.

  • MyVhi is provided to allow registered current members to view their health insurance cover from Vhi Healthcare.

  • Policyholders act for all members included on the policy.

  • Use for any other purpose is prohibited.

  • Vhi Healthcare will endeavour to provide access to the system at the agreed times, but no warranty is given.

  • Vhi Healthcare may terminate access to MyVhi at its own discretion.

Access to MyPolicy

Access to the MyPolicy feature in the app is provided on the understanding that:

  • MyPolicy is provided to allow registered current Policyholders to view their health insurance cover from Vhi Healthcare.

  • MyPolicy is provided to allow registered current members to view their health insurance cover from Vhi Healthcare.

  • Policyholders act for all members included on the policy.

  • Use for any other purpose is prohibited.

  • Vhi Healthcare will endeavour to provide access to the system at the agreed times, but no warranty is given.

  • Vhi Healthcare may terminate access to MyPolicy at its own discretion.

Security/Authentication

  • 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).

Documentation

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.

Versioning

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.

Recording

Vhi Healthcare shall record Instructions received by way of MyVhi and, in the event of any dispute arising in relation to any instructions or alleged instructions, the record so kept by Vhi Healthcare 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 Healthcare at its discretion from time to time and will be altered by Vhi Healthcare to comply with any regulatory directive or to enhance the security of MyVhi. Any such alteration will be notified to you by a posting an updated version of the terms and conditions on this Website.

Communications

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.

Accessibility

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.

Design

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.

Feedback

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 (056 770 7933) 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.