Vhi Healthcare Omdömen 

Astounded by the poor rating. My experience has been excellent over the past 5 years. Particularly the snap and send claims feature which is easy and really quick. I regularly get my GP, consultant, counselling and dietican claims confirmed in 2 working days. I really appreciate how much effort VHI have put into the online/self-service portal. I dearly wish other service providers would take note and up their game. Every time needed to change plan, always give me good decent advise. When have needed surgery, paid for it in a hospital not normally fully covered in cos was medically necessary due to BMI and thus would be healthier needing less treatments overall; costing them less. Only had pay the excess which I was very grateful for and really appreciated. Every MRI I have needed they have paid directly to the centre, no problems. I have been with VHI since I was a child, have never had a problem with their service. They tell you in table of benefits what is and what isn't covered and where which I much appreciate. Tells you in black and white on insurance plans in all companies that pre-existing conditions not covered for a 1 or 2 depending on the condition. So really don't understand all the negativity. I work in healthcare myself and the other companies aren't any better!

VHI has my mother on a very old legacy plan with high fee to see a consultant even though she was paying over 1500 euro per year for it.

When i found out she after she got ill and was being charged hundreds of euro i rang and queried it and was met with a whole load of spoof from the lady who answered. I literally could not get a straight answer from her. I looked online and was met with a huge array of plans completely unclear again.

I asked about corporate plans and was told no, even though i went online and apparently they are available as well. Just an exercise in frustration and i believe VHI are really some sort of scam organisation.

My mother had being paying close to the top plan all her life and all we got were lies and confusion about the correct plan for her. My mother eventually told me to stop ringing she was sick and its not worth it. DISGRACEFUL VHI, she died not long after after being on a bad old plan with no advice on what to do. Just SPOOF and yes LIES. Unreal company someone needs to investigate their practices.

My little girl suffers with very painful sore throats and swollen tonsils and after a recent bout which caused her to miss her school tour today we had a visit to our local GP and had a referral letter sent to Clane to see can we get the tonsils removed. To our utter vexation VHI won't cover her as this is a pre existing condition and she needs to wait another year before she is eligible for cover - but as we have told VHI, we are paying for cover now! VHI is legal gangsterism just like most things today where there is a savage lack of a personal level of empathy. Never mind the soft fuzzy adverts on TV, your just a number, your just a cash flow to this machine, and you will get a minimum back in return as VHI keep moving the goalposts on levels of cover. This isn't the only complaint I have - of all the incidents my family has had, only once ever has VHI covered us. After talking to numerous hospital staff who handle situations like ours we are told this is always happening, and looking at the plethora of red star reviews here it looks like we aren't alone. This company is a scam worthy of a documentary, and couldn't care less.

So….. What does Excess mean to you on Insurance Policies?

I know for my Car Insurance if I have an excess of, lets say €300, it means I pay the first €300 of any claim.

VHI HAVE A DIFFERENT MEANING FOR EXCESS.

1. Paid €250 for a Consultation, excess on Policy is €100. So, in the real world I would expect the balance of €150 to be paid by VHI.
2. But NO, on the Policy they pay €60 for Consultation fees. So, ok I won’t get the €150 but I will get €60?
3. No,No,No, NO, this is where VHI has a different meaning for Excess ! It was explained that as I had an excess of €100, the €60 was
Less than this so you get NADA!!!!!!!!!!!!

RIP OF MERCHANTS

VHI referred me to a consultant who has put me forward for surgery. VHI have now advised that I am not covered in the hospital the consultant is based in, also my new level of cover will not cater for this hospital for another 2 years. All of this on top of a two week saga looking for my MRI report and a snippy customer care agent on the VHI app. The phone agent was nice but ultimately of no benefit to my situation.

I bought a policy for a year. When I needed it to be cancelled earlier, they said I can do it only in a year-period at a member’s renewal date.
This means I have to pay for the insurance which I don’t need for 10 months.
AVOID at all cost

I'm a VHI member, I had a back injury that required treatment. I tried to claim through VHI and they did everything they could to not pay out for the procedure, I had contacted them before the treatment, and they made it out that there was a policy misunderstanding and it was my fault. Why did I call before the treatment if I didn't want to claim the insurance? the company is a joke. Needless to say I won't be renewing my policy. What's the point in having insurance if you can't use it. "We're here when you need us" they're slogan couldn't be any further from the truth

The Customer Service I received from Ben over the phone was excellent. His understanding of my query and his follow up was exceptional. I would totally recommend this company on my experience with Ben alone.

The claims app doesn't work. It's time wasting. I contacted VHI and they get annoyed. Not the first the app didn't work.

They have any excuse not to pay for anything. Spent €370 on scan & consultant fee and I haven't been able to claim €1 back.

Vhi claim team is great! However the App is poor. Not reactive, always delayed. Once you have submitted a claim receipt you have no chance to edit or just add a note.

I don't understand all the negatively, I find vhi wonderful, the most pleasant people on the phone. I was with laya and used waited 45 mins, and all the scans in the affedia centre were sold out to the public. Vhi swift clinic are for members only, in an out in 50 mins. People need to make sure their happy with Der cover and that their covered. Vhi can't just decide their not paying out that's a lawsuit. Look and read Ur terms and conditions before u buy

Can't access VHI online Doctor App. And there is no information about the unavailability.

I'd give them Zero if I could.

I pay a premium of 3K a year to VHI and I cannot get any Day to Day care service from their online consultants, because it is never available to book.

If you wish to book an urgent appointment for an online GP consult, for example, for your child, then the earliest booking is always, several days away. Why would anyone want to book a GP appointment, several days in the future, but this is what is on offer from VHI.

They will provide a ridiculous argument that this service is outsourced and it's not their problem, but the contract is between VHI and the individual, not the outsourced party; so it is their problem, but they will not accept that.

I have a vulnerable son and have raised several complaints re the lack of care but am constantly referred to the 12 month contract that I am bound to; despite the fact that they can't and don't deliver anything.

My policy permits my son to 7 independent online GP consults, per annum. We are 3 months from the end of the annual term and we have yet to have an online consult, because they are NEVER available.

I have a complaint open with the Financial Ombudsman as this is my last resort.

I urge anyone considering taking out a Healthcare policy to avoid this disgrace of an organisation and to choose Laya instead; who are much more professional.

I have sent snap and send on the app twice and have never heard back

They will weasel their way out of any claim using small print. Simply sickening. I'm now moving all my insurance away from this company.

Just been to the VHI clinic and had a very pleasant experience. From onagh and Kieva on the front desk to Libby and Sandra the 2 nurses I attended all were incredibly nice and efficient ! and then Dr Geerish was outstanding such a lovely Doctor , he was so detailed in my check up had such a kind personality.
Thanks very much for a very pleasant experience considering your all out the door with viruses
Sharon X

I made a claim against my life insurance that I was entitled to. This was paid, when I submitted the second receipt (again that I was entitled to) they then said they made an error the first time and I owe them money for their mistake.

So not only did they not pay for my entitlement, they then want me to pay back the funds they approved.

Avoid VHI they are not worth it.

DO NOT USE VHI HEALTH INSURANCE!! I had the VHI International plan for almost 3 years while seconded to London. This costs just under £1,800 per year. I only made two medical claims during that period and on both occasions found that VHI will fight tooth and nail to refuse even relatively small once-off claims to see a specialist consultant (involving just a few hundred £). I would not like to find out how VHI will behave is you were to submit a larger claim (e.g. for surgery). VHI draw out the claims process in a hope that you will simply give up. By way of example, my optometrist referred me to an eye specialist due to a sudden decline in vision. This was incorrectly assessed (and rejected) as an optical benefit and following a lengthy (but successful) complaints process VHI was forced to reassess the claim. The second time around VHI argued that the referral letter from the optometrist wasn’t sufficient to support the £400 claim (£335 net excess) for a single appointment with an eye specialist on the basis that it doesn’t contain a diagnosis. The letter clearly states that I needed to be checked for underlying conditions that might have caused the sudden deterioration. Don’t waste your money (or time) on VHI insurance.

Carrickmines Swift Care is a disaster for walk in patients. There seems to only be priority given to appointment slots with no designated nurse for walk ins. The service is dreadful. if you’re an emergency that couldn’t afford the time to make an appointment you can expect long waits. You’ll be offered pain relief as an acknowledgment of the length of time you’ve been waiting but that’s it. I experienced a three hour wait with no triage to ascertain ‘walk in’ queue priority. VHI need to look at why there is no one designated to look after walk ins? Is that not the whole point of urgent care? Very disappointing for VHI members with an emergency! To add insult to injury you’re expected to queue again on your way out to pay. Surely this should be done at the point of check in. Very disappointing overall. That said the care given when you are finally seen is excellent.