Thank you for contacting Vhi Healthcare. I would like to apologise for the delay in our response.
I note from our records that you are currently insured on First Plan Plus Level 2. On joining VHI Healthcare you had a 5 year waiting period for pre-existing conditions. This waiting period will cease on <snip>.
Any condition or symptoms of this condition that your consultant deems was present prior to joining VHI Healthcare will not be covered until after this date.
The Gastric procedures are listed in our schedule of benefits as procedure codes 178/179/181 or 182. These procedures require prior approval from our medical department and can be carried out in one of our approved hospitals or treatment centres.
Your Consultant has access to the terms and conditions of these procedures and must submit a report to our medical department for prior approval. The medical review team will assess the medical necessity of this procedure based on the information provided and contact you with a decision.
However this procedure is not available to members on our lifestage choices and are restricted to members on Plans A-E and options:
If you change your cover and you receive treatment during the following two years* for a medical condition which, in the opinion of our medical director, you already had prior to the date of change, we will only pay the benefits of the lower plan.
*Five years for those aged 65 years or over, or 52 weeks for maternity or pregnancy related conditions.
When determining whether a medical condition pre-exists a policy upgrade it is important to note that it is the date of onset of the condition that is considered rather than the date upon which the member becomes aware of the condition,as medical conditions may be present for some time before giving rise to symptoms or being diagnosed.
As with all insurance companies, Terms and Conditions apply. Please refer to your Rules Booklet.
Should you require any further assistance, please do not hesitate to contact us.
In my case it's not a matter of getting cover, it's trying to find the best package/medical team and the most competitive price.