A New and Easy Way to Choose Health Insurance

As you go through life your needs change - your health insurance should do the same

• Vhi Healthcare’s new suite of LifeStage Plans provide a convenient and easy way to select or change cover

• 5 Plans available

• All Plans include the hospital cover you need Plus generous cover for day-to-day medical expenses

• Relevant LifeStage benefits

• And competitively priced

• Access to Public and Private Hospitals (excluding Blackrock Clinic & Mater Private)

•Travel Vaccinations - €50 •Accident & Emergency - €60

Day-to-day Medical Expenses Cover

LifeStage Benefits

Hospital Cover

• GP Visits• Dental/ Optical• Alternative Medicine …..and more

For singles or those taking out cover for

the first time

• Access to Public and Private Hospitals (excluding Blackrock Clinic & Mater Private)

• Maternity – Up to €2,500 • Home Births – Up to €2,500• Child Home Nursing – Up to €2,800• Parent Accompany Child – Up to €1,400• Child Counselling – Up to €240

Day-to-day Medical Expenses Cover

LifeStage Benefits

Hospital Cover

• GP Visits• Dental/ Optical• Alternative Medicine …and more

If you have children or thinking of starting

a family

Day-to-day Medical Expenses Cover … comes as standard with every plan

€1Annual Excess

€40 per visit every 2 yearsScreening

€20 per visit (1 every 2 years)Optical Visits

€20 per visit (unlimited)Dental Visits

€20 per visit (max. 12 combined visits p.a.)Alternative Medicine

€20 per visit (max. 25 per person p.a.)Physiotherapy

€20 per visit (max. 25 per person p.a.)GP Visits

Getting something back every yearAnnual Day-to-day Medical Expenses

Example: Family of 2 Adults and 2 Children

€240€380

€60€90€303Complementary Medicine

€40€40€401Health Screening

€20€30€301Eye Test

€40€60€302Dental

€80€160€404G.P. Visit

Vhi Healthcare Benefit

Total CostCost per visitNumber of Visits

Expense Type

Covering over 60% of your families Day-to-day Medical Expenses

Additional Out-Patient Expenses

€6,500Annual Maximum Benefit

€125 per Individual €250 per FamilyAnnual Excess

€500 per yearEmergency Dental

€40 per day up to a max. of €800Home Nursing

Up to €650 (depending on plan held)Pre & Post Natal

Standard benefit and agreed hospital charges

Radiology

Professional & Technical

€20 per referral and agreed hospital charges

Pathology

Professional & Technical

€50 per visitConsultant

• All cardiac, cancer and other specified procedures are available in the Public & Private hospitals covered on First Plan Plus, Family Plan Plus

• Blackrock Clinic & Mater Private are not covered

• Galway Clinic: First Plan Plus and Family Plan Plus cover all treatments except cardiac and other specified procedures* in this hospital

Treatment in the most expensive hospitals

*list available on request

Access to Treatment

• All treatments performed in High-tech Hospitals are

widely available in other hospitals covered on our

LifeStage Plans

• Over 90% of consultants in Blackrock Clinic and

Mater Private have admission rights in other hospitals

Bon Secours

St. Vincent’s Private

Beaumont

Tallaght

St. James’s

Mater Public

Cardiac Treatment

Bon Secours

University College

South Infirmary

Bon Secours

UCHG

Mid-Western Regional

Interventional Cardiology • Growth in interventional treatment e.g. Angioplasty

(stents), requiring less invasive complex heart surgery

• Performed extensively in:-

– UCHG Galway– Bon Secours, Cork– Bon Secours and St Vincent’s Private, Dublin

St. Vincent’s Private

St. Lukes

Cancer Treatment -Radiotherapy

University College Hospital

Radiotherapy services expanded in St. Vincent’s Private with two new linnear accelaterators in 2004/05

Galway Clinic

St. Vincent’s Private

Beaumont

St. Lukes

St. James’s

Cancer Treatment -Chemotherapy

Bon Secours

University College

South Infirmary

Mercy Hospital

Bon Secours

Galway Clinic

UCHG

Mid-Western Regional

And Much More…

• Overseas cover - €100,000 on every Plan• Tax relief at standard rates• Group discount• Student rates• Current concessions will still apply

– Immediate hospital cover– Immediate day-to-day cover (under 50’s)

• Added value services and Special Offers exclusive to Vhi Members– MultiTrip Travel Plan for a little as €49 per annum– NurseLine 24/7 at no extra cost– Vhi.ie for a wealth of health & lifestyle information

• By choosing First Plan or Family Plan you can reduce the cost by almost 24%

• Plans provide full cover in Public hospitals only

Reduce your cover and spend a little less ...

Existing Vhi Healthcare Members also have a Choice

• Plans A-E & A-E Options are still available and members can stay on these Plans if they wish

• Transfer to LifeStage Choices is optional

Now even more ways to select the right Healthcare Cover

LifeStage Choices

Hospital Plans and

HealthSteps

More Flexibility, More Choice

Hospital Plans

•Widest choice of hospitalsand consultants

• Covering the full spectrum of hospital facilities and accommodation types – private and semi-private rooms

Hospital CoverHospital Cover

Can be Combined with

HealthSteps

Can be Combined with

HealthSteps

Plans for all hospitals

Plans for all hospitals

• Providing Day-to-day Medical Expenses cover as an optional add-on

GP Visits €20.00 €30.00 Annual Max.

Dental Visits €15.00 €25.00 Unlimited Visits

Consultant Visits €40.00 €60.00 Unlimited Visits

Physiotherapist €20.00 €25.00 Annual Max.

Eye Tests €20.00 €25.00 Every 2 Years

Glasses/Lenses €35.00 €70.00 Every 2 Years

Screening €75.00 €150.00 Every 2 Years

G.P. Procedures Excluded Agreed Charges Unlimited Visits

Consultant Pathologists fees Excluded €40.00 Unlimited Visits

Consultant Radiologists fees Excluded €60.00 Unlimited Visits

Alternative Medicine €20.00 €25.00 Combined Max.

GP Visits €20.00 €30.00 Annual Max.

Dental Visits €15.00 €25.00 Unlimited Visits

Consultant Visits €40.00 €60.00 Unlimited Visits

Physiotherapist €20.00 €25.00 Annual Max.

Eye Tests €20.00 €25.00 Every 2 Years

Glasses/Lenses €35.00 €70.00 Every 2 Years

Screening €75.00 €150.00 Every 2 Years

G.P. Procedures Excluded Agreed Charges Unlimited Visits

Consultant Pathologists fees Excluded €40.00 Unlimited Visits

Consultant Radiologists fees Excluded €60.00 Unlimited Visits

Alternative Medicine €20.00 €25.00 Combined Max.

Everyday Medical Expenses Cover

A WORLDWIDE ANNUAL TRAVEL INSURANCE POLICYEXCLUSIVE TO VHI HEALTHCARE MEMBERS FROM AS LITTLE AS €49…

*One adult plus any other person under 65 years**One/two adults plus any number of dependent children under 18 years

Vhi Healthcare Member Price

€95€69€49Multi Trip - Worldwide

Family**Couple*Individual

• Cover for pre-existing medical conditions

• No waiting periods and

• No medical assessment to complete

Assist from Vhi Healthcare

Assist from Vhi Healthcare is a medical emergency advice helpline

which is available to all Vhi Healthcare members while on

holidays abroad or on a temporary stay abroad.

Assist from Vhi Healthcare provides:

Medical cover ranging from €65,000 to €100,000

24 hour emergency advice and information service

Repatriation to Ireland up to €2 million

Plan A

€381.01

First Plan

€459.46

Plan B

€544.53

Plan B

Excess

€481.37

Premiums Compared

First Plan Plus

€570.67

Family Plan Plus

€579.91

Family Plan

€468.70

Special Concession OfferSpecial Concession Offer

Immediate Cover

26 Week Waiting Period Waived

Group Number 122

This offers applies to staff and their Dependants, full indemnity for new medical conditions.

This offers applies to staff and their Dependants, full indemnity for new medical conditions.