Vhi health insurance
Vhi is a tied intermediary. Its health insurance is underwritten by Vhi Insurance DAC.
Facts from Vhi's own website, checked on 10 November 2026. We do not sell insurance, and Vhi does not pay us.
Quick facts
- Quotes and policy queries (Mon-Fri 8am-7pm, Sat 9am-3pm)
- 056 444 4444
- Emergency help abroad, USA and Canada
- 1800 364 9022
- Emergency help abroad, rest of the world
- +353 1 448 2444
- Vhi 360 Health Centres
- 01 448 2450
- Buy online
- Yes
- Underwriter
- Vhi Insurance DAC
- Central Bank reference
- Vhi Healthcare DAC C129712; Vhi Insurance DAC C130118
- Company page
- Vhi
Check each number on Vhi's website or your policy documents before you call.
Vhi sells health insurance that Vhi Insurance DAC underwrites. Vhi Healthcare DAC sells it as a tied intermediary. Vhi says all of its plans include cover for MRIs, scans and cancer care.
What Vhi says about its health insurance
- One Plan and One+ Plan
- PublicPlus Care rangePublicPlus Care, PublicPlus Care Day-to-Day, PublicPlus Care Extra Day to Day
- FirstCare rangeFirstCare 500, FirstCare 500 Day-to-Day, FirstCare 250 Day to Day, FirstCare Extra 150 Day-to-Day
- EnhancedCare 75 Day to Day
- AdvancedCare, PremiumCare, ProvidentCare
- Plans are listed with public, private and high-tech hospital options.
- All plans include cover for essentials like MRIs, scans and cancer care.
- All plans offer 100 days a calendar year of inpatient psychiatric care; Extended Psychiatric raises this to 180 days.
- Optional extras include urgent care, everyday medical care, fertility and pregnancy, cardiac, joint replacement and eye procedures.
- Vhi urgent care clinics are in Cork, Dublin, Galway and Limerick.
- Every private health insurance policy includes at least €65,000 for emergency medical help abroad (Assist Cover). Vhi says this is not travel insurance.
Who can get cover
- Young adult rates are for ages 18 to 25; full adult rates apply from age 26. Ages 0 to 17 pay a child rate.
- A break of more than 13 weeks in your cover with Vhi makes you a new member again.
Read the full terms: All Vhi health insurance plans, Tables of benefits and policy documents, Terms of business.
What Vhi says about waiting periods, the age loading and switching
Irish health insurance law covers each of these points. The words below are Vhi's own, from its website.
- Waiting periods
- “There are no waiting periods for an accident or injury claim, or an everyday medical expense on any plan. New conditions – 26 weeks. Pre-existing conditions – 5 years. Maternity or Fertility Programme – 52 weeks.”
- Lifetime community rating (the age loading)
- “LCR is a 2% charge by the government on your plan from the age of 35, if you have not had private health insurance prior to this.”
- Tax relief
- “The State provides tax relief on health insurance. You do not have to do anything, as we apply this to your policy for you.”
- Switching insurer
- “If relevant, any Lifetime Community Rating credits will be carried from insurer to insurer.”
Other companies that sell health insurance
In A to Z order. It is not a ranking.
- 123.ie
- Aviva Ireland
- Chill Insurance
- Cornmarket
- Irish Life Health health insurance
- laya healthcare health insurance
- Level Health health insurance
How to pay less on health insurance · All about health insurance
Get a reminder before your renewal date
Renewal is a good time to check your price and your cover. We email you once a year, in the month before your renewal. Nothing else.