VHI offers health insurance including international health insurance, travel insurance, dental insurance, life insurance.

The Company

In the late 1950’s the Irish State established a not-for-profit health insurer Voluntary Health Insurance (VHI). VHI offered private care in public hospitals for the top 15% of earners in the State who were, at the time, not entitled to public care.

VHI remained the only health insurer in Ireland until, in response to EU regulations, the Irish health insurance market was opened up in the 1990’s by the EU.

VHI now has 1,177,600 members or a 46% share of the Irish health insurance market.

VHI is a state-owned corporation who reinvests profits in providing new and enhanced services for its members.

VHI Member Benefits

VHI has increasingly moved into delivering primary and preventative healthcare for its members in recent years. These services offer rapid access for VHI members in order to avoid waiting lists and to provide an early diagnosis.

VHI aims to offer a range of medical services that are easy and quick to access and that provide convenient medical diagnosis and treatment as an alternative or compliment to conventional surgeries, clinics, and hospitals. Early diagnosis and preventative health can be key to the outcome of many conditions, especially for children.

Members benefits

VHI Clinics

The VHI 360 centre in Carrickmines offers a range of services for VHI members including urgent care and treatment clinics, a consultant led paediatric clinic for general and developmental paediatric concerns, and access to a range of diagnostics such as Xray, ultrasound, MRI and Dexa scan.  

Their 360 Health Coach service is a preventative service focussed on health and wellbeing and the 360 clinic also offers a sports and exercise musculoskeletal clinic for members aged 12 and over.

Menopause Care

VHI 360 women’s health clinic offers specialised care to women experiencing symptoms of perimenopause and menopause should they choose to seek medical support at this time.

VHI provides a rapid access dermatology service allows members to receive a rapid diagnosis from a dermatologist for a skin condition.

VHI Swiftcare clinics also offer urgent care and diagnostics, with service available depending on location. VHI Swiftcare aims to offer illness and minor injury treatment with rapid access and no long wait, helping VHI members avoid a trip to A&E in many cases, although they are not available for cardiac concerns of children under 12 months.

VHI Online Services

Online health is also available to VHI members, depending on your plan. You can speak online to a nurse, doctor, or midwife.

Allied health services such as a dietitian, physiotherapist or speech and language therapist are also available for online consultation depending on the cover in your plan.

VHI Overseas Cover

VHI also offers overseas cover for their members abroad and will pay the hospital directly, up to €65,000 or €100,000 depending on your plan, if you require emergency medical treatment abroad.

VHI may also cover elective treatment abroad if it is recommended by an Irish consultant, whether or not the treatment is provided in an Irish hospital.

VHI international health insurance offers health insurance abroad for Irish residents living, working, or studying abroad for more than 6 months. VHI may cover treatment abroad or in Ireland, if you choose to return home for medical treatment, under this plan.

Overseas treatment

VHI Plans

Here are a range of VHI plans for individuals and families. VHI offers a huge array of plans at all price points, so here are various options to consider, as well as some of the key features of each plan.

Public Plus/ Public Plus Day to Day Plans

If you wish to choose a more affordable option, VHI Public Plus is a basic plan that covers semi-private and private care in a public hospital with access to some VHI member benefits and consultants’ fees.

€43.28/ €46.87 for a single adult <35, no in patient excess.

  • Private/ semi-private care in a public hospital

Public Plus also includes:

  • €60 per consultant visit
  • MRI scan 100% cover
  • Radiology/ Xray consultant fees €60 per visit
  • VHI Urgent care 2x visits per year

Public Plus Day to Day includes the above and also:

  • €20 per GP visit
  • Physiotherapist €20 per visit x 3 visits per year
  • Dental €20 per visit x 3 visits per year
  • VHI Online doctor 3x consultations per year
  • VHI Urgent care 2x visits per year

Enhanced Care 250/ Enhanced Care 250 Day to Day

The HIA has suggested that €1470 is the annual average price for health insurance in Ireland. VHI Enhanced Care 250 and Enhanced Care 250 Day-to-Day is close to this price. VHI Enhanced Care 250 is currently discounted at 5% for new members (March 2024).

€100.79/ 104.11 for a single adult <35, €250 excess per claim.

  • Semi-private care in a private hospital
  • Private/ semi-private care in a public hospital

Enhanced Care 250 also includes:

  • €60 per consultant visit
  • MRI 100% cover
  • Radiology/ Xray consultant fees €60 per visit
  • VHI Online doctor 6x consultations per year
  • VHI Health check @ home 1 x screen per 2 year period
  • VHI 360 Clinics 100% cover
  • VHI Paediatric Clinic 100% cover
  • VHI Urgent care 100% cover

Enhanced Care 250 Day to Day includes the above as well as:

  • GP €25 per visit for 6 visits per year
  • Physiotherapist €25 per visit for 6 visits per year
  • Dental €25 per visit for 6 visits per year

PM 4710

PM 4710 provides cover for a semi-private or private accommodation in a private hospital, as well as generous cover for GP, consultant, and physiotherapist fees (75%), with monthly premiums just a little higher than average.

€159.84 for a single adult <35, €75 excess per claim.

  • Private and semi-private care in a private hospital
  • Private and semi-private care in a public hospital

PM 4710 also includes:

  • GP visits 75% cover
  • Consultant visits €75% cover
  • Physiotherapist €40 per visit for 12 visits per year
  • Dental €40 per visit for 12 visits per year
  • MRI 100% cover
  • Radiology/ Xray consultant fees 75% per visit
  • VHI Health check Enhanced 1x screen per 2 years
  • VHI Paediatric Clinic 100% cover
  • VHI Urgent care 100% cover
  • VHI 360 Clinics 100% cover
  • Mental health therapy €100 per visit for 12 visits per year

Premium Care

Premium Care offers cover for a stay in a high-tech hospital as well as cover for GP and consultant visits and full cover for some VHI member benefits, however, it is a much higher priced plan than the other options.

€391.99 for a single adult <35, no excess.

  • Private care in a high-tech hospital
  • Private and semi-private care in a private hospital
  • Private and semi-private care in a public hospital

Premium Care also includes:

  • GP €50 per visit for 12 visits per year
  • Consultant €100 per visit
  • Physiotherapist €50 per visit for 12 visits per year
  • Dental €50 per visit for 12 visits per year

MRI 100% cover

  • Radiology/ Xray consultants fees €100 per procedure
  • VHI online doctor 100% cover
  • VHI Paediatric Clinic 100% cover
  • VHI Urgent care 100% cover
  • VHI 360 clinics 100% cover
  • Mental health therapy €100 per visit for 12 visits per year

Talk to us today!

Talk to our qualified advisers today about VHI health insurance options.

If you are already a VHI customer, new to health insurance, or considering upgrading or switching your current health insurance, we can advise you and help you to find health insurance cover that suits your circumstances and budget.

offering the best advice for you in purchasing insurance

Compare Health Insurance Quotes

Take our 90-second online assessment and get the best health insurance quotes on the market. Our vetted health insurance partners are regulated by the Central Bank of Ireland and will outline the various options available to you.