Pmi0611 VHI policy code that makes a big saving

MidlandsM · 10-10-2011 11:40am #1

Pmi0611 is the policy or scheme VHI don't want the general public to know about.....just heard about it there on newstalk..........apparently it can save a family €1300 over other policys (2 adults & 2 kids) Its only available for the next week.

Don't know it this is of interest to anyone, but thought I'd share it nonetheless.;)

thomasm · 10-10-2011 11:41am

Just heard that on Newstalk, a heavily discounted healthcare plan on offer at the moment that they are not advertising. Is has apparently been put together to entice a large corporate customer but as per regulations it must be made available to everyone. In this case the offer ends on the 17th Oct and the prices go back up. The price details I gathered were that it can save a family with two kids €1300 per annum. Adult price is down from €1274 to €711 and child price down from €200 to €111. It will only be available to those at the end of a contract or a new customer. Reporter also said the benefits included were better for this limited period only. Could not find it on website so I’d imagine you need to call them and ask specifically for plan PMI 0611

holidaygirl · 10-10-2011 11:52am

http://www.hia.ie/latest-news/vhi-change-benefits-and-price-on-pmi-06-11-plan-17.10.11.htm

Sorry just on the phone - but if you want to see what the policy is like have a look at the hia website - you can find it by using the comparison search option, you can select it on it's own or side by side up to two other policies.

Padraig Mor · 10-10-2011 12:23pm

Very similar benefits to our (2 + 1) Quinn CompanyCare Choice plan. Cheaper, but not by a massive amount (approx €25/mth). We have a newborn (2 wks old) who will be covered free by Quinn until our renewal in June. I presume we would have to pay for him if taking out this plan with VHI?

Soarer · 10-10-2011 1:03pm

Padraig Mor wrote: »

Very similar benefits to our (2 + 1) Quinn CompanyCare Choice plan. Cheaper, but not by a massive amount (approx €25/mth). We have a newborn (2 wks old) who will be covered free by Quinn until our renewal in June. I presume we would have to pay for him if taking out this plan with VHI?

Jaysus, €25pm is nothing to be sniffed at, and certainly worth changing for.

paddydriver · 10-10-2011 1:05pm

If I wasn't mid policy this could save me in region of €1200 per year! Gonna call them up anyway and try play hardball.

uck51js9zml2yt · 10-10-2011 1:21pm

Just checked it against our company care choice. Will save 130 on the baby but for us its only 50 due to chiropractic cover differences. some of the private cover is also less than with quinn.
With the baby it wont matter but for us it could be important. just need to double check it.
newborns are free on vhi. look at maternity care.
look at hia.ie for an easy comparison

Tidyweb · 10-10-2011 1:25pm

I am with VHI 10 years and usually renew in January, can I avail of this offer?

looder · 10-10-2011 1:32pm

Tidyweb wrote: »

I am with VHI 10 years and usually renew in January, can I avail of this offer?

Not anymore as they don't allow you to change your contract i.e. change your renewal date from Jan to Oct. They stopped allowing people do that earlier this year when everyone changed prior to the price increase.

No point in trying to play hardball either on it I'd imagine as they won't budge.

Soarer · 10-10-2011 1:41pm

Tidyweb wrote: »

I am with VHI 10 years and usually renew in January, can I avail of this offer?

looder wrote: »

Not anymore as they don't allow you to change your contract i.e. change your renewal date from Jan to Oct. They stopped allowing people do that earlier this year when everyone changed prior to the price increase.

No point in trying to play hardball either on it I'd imagine as they won't budge.

Could you not cancel your current policy and sign up through your other half?

MidlandsM · 10-10-2011 1:50pm

I rang there, was quoted €146 pm , its a very good policy, good cover, low excess's

Padraig Mor · 10-10-2011 1:52pm

Junior Melted Sin wrote: »

newborns are free on vhi. look at maternity care.
look at hia.ie for an easy comparison

Yes, but I think you already have to be a member to get the free coverage. e.g. we had a baby 2 wks ago - he is covered until our next renewal (June) for free with Quinn, but we would have to pay for coverage if we moved to VHI.

Corholio · 10-10-2011 1:56pm

Far as I know, our family, all adults (2 parents, 2 adult kids) are all on a plan with VHI. Would this policy be of use to us?

looder · 10-10-2011 1:57pm

No, it's not like Sky (for example).

As your waiting periods need to be carried over with you to your new policy.

uck51js9zml2yt · 10-10-2011 2:01pm

Soarer wrote: »

Could you not cancel your current policy and sign up through your other half?

take a look at the quinn company care choice. its comparable to this policy at 795 for adult and €248 for children.

Ive just done my maths on this one and reckon I'll save €260 a year by changing over to vhi...despite what i said above

moving us from €795 to €711 and the baby from €248 to €111.

the baby will be a saving of €137 + 7.44 direct debit
We'll save €33 each in spite of the difference in chiropractic allowances(€228(qh) v €175(vhi). We'll also save another €23 each on direct debits

We have a medical card so the gp/hospital doesnt matter.

Will make the call now and look out for future savings with other companies down the line.

uck51js9zml2yt · 10-10-2011 2:04pm

Padraig Mor wrote: »

Yes, but I think you already have to be a member to get the free coverage. e.g. we had a baby 2 wks ago - he is covered until our next renewal (June) for free with Quinn, but we would have to pay for coverage if we moved to VHI.

Make a call and check it out!

Soarer · 10-10-2011 2:18pm

I rang them there to ask a few things, and this is the way it's working for us.

At the minute we're on Company Care Choice. 4 of us, inc. a 3 year old and a 3 month old.

Don't think I can do an accurate comparison for the next 12 months, as I don't know if my premium with Quinn will increase in February...probably will like.

But even if Quinn doesn't go up, between now and Feb, we'll save just short of a tenner. Between Feb. and Oct. we should save just over €25 per month.

Subject to approval from Mrs. Soarer, I'm all over this.

P.S. The guy on the phone said the last day to set things up is October 15th, so don't be waiting until the 17th as it might be too late!!

uck51js9zml2yt · 10-10-2011 2:24pm

Soarer wrote: »

I rang them there to ask a few things, and this is the way it's working for us.

At the minute we're on Company Care Choice. 4 of us, inc. a 3 year old and a 3 month old.
Me : €712.80
Mrs: €712.80
3yo: €248.40
3mo: €free until Feb., then it'll be €248.40

PMI Prices for us are....
Me : €711.11
Mrs: €711.11
3yo: €111.11
3mo: €111.11

Don't think I can do an accurate comparison for the next 12 months, as I don't know if my premium with Quinn will increase in February...probably will like.

But even if Quinn doesn't go up, between now and Feb, we'll save just short of a tenner. Between Feb. and Oct. we should save just over €25 per month.

Subject to approval from Mrs. Soarer, I'm all over this.

Me : €712.80
Mrs: €712.80
3yo: €248.40
3mo: €free until Feb.

P.S. The guy on the phone said the last day to set things up is October 15th, so don't be waiting until the 17th as it might be too late!!

We are on quinn company care choice and paying €795. You can bank on that at least when you have to renew in February. the only major difference i could see is that emergency dental isnt covered on vhi but their swifcare clinics are which is a plus if you dont want to spent 24 hours in A&E waiting to be seen

ted1 · 10-10-2011 2:26pm

just changed policy

was on aviva buisnes plus hosiptal
paying 754 for me and misses and 108 for the little one on level 1 iplan.
had only renewed last month,

now paying 711 *2 and 111 *1 =139 per month for 11 months.still trying to figure out why she wouldn't let me pay over 12 months.

was paying 134 over 12 months.

not much off a saving, but i know have day to day stuff and a lower excess. also new baby due end of month so will get an extra month of him/her being free.

nice one OP.

Soarer · 10-10-2011 2:38pm

Junior Melted Sin wrote: »

We are on quinn company care choice and paying €795. You can bank on that at least when you have to renew in February. the only major difference i could see is that emergency dental isnt covered on vhi but their swifcare clinics are which is a plus if you dont want to spent 24 hours in A&E waiting to be seen

Well if our new premium come Feb. is €795pp, we'll be saving over €35 per month going this way.
Plus we have a Swiftcare less than 10 minutes from us, so that's a plus.

uck51js9zml2yt · 10-10-2011 2:46pm

just changed over to vhi and its an immediate saving of €30 per month...
€1830 reduced to €1533.33 p.a.

Not to be sneezed at ..Well done OP.

pmulv · 10-10-2011 2:58pm

Thanks op.
Renewal was this week and I just saved a little over 1,000 verus parents and kids policy (3 kids). V little differences on policies but everyone circumstances are different so make sure you check.

Doodah7 · 10-10-2011 2:58pm

Question: is this rate only good for the first year and then gets jacked up to the standard rate?? or do you keep it for as long as you don't change something on the policy?

uck51js9zml2yt · 10-10-2011 3:03pm

tallpaul wrote: »

Question: is this rate only good for the first year and then gets jacked up to the standard rate?? or do you keep it for as long as you don't change something on the policy?

its only good for the year and then you check again.be careful though , you are tied into a 12 month contract.

Soarer · 10-10-2011 3:04pm

I'd say it's the former.
But come renewal time, just shop around again for the best price.

ted1 · 10-10-2011 3:15pm

tallpaul wrote: »

Question: is this rate only good for the first year and then gets jacked up to the standard rate?? or do you keep it for as long as you don't change something on the policy?

This is my third company on 4 years.Always shop around.

Outkast_IRE · 10-10-2011 3:22pm

ted1 wrote: »

This is my third company on 4 years.Always shop around.

Im not very clued in but when you change company isnt there a 6 month period where your not covered or very limited cover at the start?

ted1 · 10-10-2011 3:26pm

if you have an ongoing illness theres a 6 month waiting period before your higher level insurance kicks in. you are still covered for a new illness.

day to day kick in straight away. as i've no on going illness, there is no waiting period.

ch750536 · 10-10-2011 3:57pm

I just signed up too, good deal, thanks OP.

Grawns · 10-10-2011 4:11pm

ch750536 wrote: »

I just signed up too, good deal, thanks OP.

I changed from plan b option to the teachers plan last January. Im not a teacher ! VHI were shocking to deal with and it took months to organise and I had to make a complaint. Saved a fortune though.

Mr E · 10-10-2011 4:28pm

Grawns wrote: »

I changed from plan b option to the teachers plan last January. Im not a teacher ! VHI were shocking to deal with and it took months to organise and I had to make a complaint. Saved a fortune though.

Am I reading that right? You had to make a complaint for your fraudulent application to go through?

uck51js9zml2yt · 10-10-2011 4:30pm

Mr E wrote: »

Am I reading that right? You had to make a complaint for your fraudulent application to go through?

What part is fraudulent? The general public are entitled to access any plan which the health companies have....including corporate.

rebeve · 10-10-2011 4:45pm

ted1 wrote: »

if you have an ongoing illness theres a 6 month waiting period before your higher level insurance kicks in. you are still covered for a new illness.

day to day kick in straight away. as i've no on going illness, there is no waiting period.

Family member going through cancer treatment at the moment .On Company health plus with excess at the moment with Quinn .Surely a waiting period does not apply .

ted1 · 10-10-2011 5:06pm

You will have same cover, but if your moving to a higher cover then there is a six month wait to avail of the higher cover.

looder · 10-10-2011 5:16pm

ted1 wrote: »

if you have an ongoing illness theres a 6 month waiting period before your higher level insurance kicks in. you are still covered for a new illness.

day to day kick in straight away. as i've no on going illness, there is no waiting period.

WRONG.

There's no 6 month waiting period for this.

If the benefits on the plan that you're going onto is lower, the benefits kick in straight away.

If the benefits on the plan that you're going onto is higher, there's a 2 year WP for the higher benefits for existing conditions- You still get the same level of cover that you have (at the time of changing) until the waiting period has expired i.e. if you've 60% cover in a private hosp now, and change to a plan where you've full cover in a private hosp, If you claim for a condition that you had prior to upgrading (as deemed by the medical info submitted on claim form) you will only be covered for 60% in a private hosp. If however 3 or 4 months after upgrading you develop a condition, you have the higher cover straight away (obviously this takes into account that you're waiting periods from when you joined are satisfied).

ted1 · 10-10-2011 5:21pm

So were saying the same except you say its a two year period and I say 6 months. 6 months is what I was told on the phone.

rebeve · 10-10-2011 5:35pm

ted1 wrote: »

So were saying the same except you say its a two year period and I say 6 months. 6 months is what I was told on the phone.

Thx for that .Think I will switch .

MidlandsM · 10-10-2011 6:42pm

ted1 wrote: »

just changed policy

was on aviva buisnes plus hosiptal
paying 754 for me and misses and 108 for the little one on level 1 iplan.
had only renewed last month,

now paying 711 *2 and 111 *1 =139 per month for 11 months.still trying to figure out why she wouldn't let me pay over 12 months.

was paying 134 over 12 months.

not much off a saving, but i know have day to day stuff and a lower excess. also new baby due end of month so will get an extra month of him/her being free.

nice one OP.

Junior Melted Sin wrote: »

just changed over to vhi and its an immediate saving of €30 per month...
€1830 reduced to €1533.33 p.a.

Not to be sneezed at ..Well done OP.

ch750536 wrote: »

I just signed up too, good deal, thanks OP.

well done folks, glad some people enjoyed some savings, I priced it up today and it does'nt work for us.....still, POWER TO THE PEOPLE!:D:D

MidlandsM · 10-10-2011 6:46pm

pmulv wrote: »

Thanks op.
Renewal was this week and I just saved a little over 1,000 verus parents and kids policy (3 kids). V little differences on policies but everyone circumstances are different so make sure you check.

wow, saved €1000:pac::pac::pac::pac::pac:

happy days:p:p

bizz213 · 10-10-2011 7:43pm

just wondering can u buy it on their website?? cant seem to see it anywhere on it??

uck51js9zml2yt · 10-10-2011 7:51pm

bizz213 wrote: »

just wondering can u buy it on their website?? cant seem to see it anywhere on it??

its a corporate plan, you need to phone them. check out hia.ie for details of cover

Kristopherus · 10-10-2011 8:09pm

From the HIA website:

"Vhi Healthcare will increase the cost of PMI 06 11 plan on 17 October 2011. The price per adult will increase from €711.11 to €1,279. Child prices (1-3) will increase from €111.11 per child to €200 per child and student prices will increase from €244.45 to €439.98 per student.
Vhi will also reduce the benefit paid for specified hip, knee and shoulder joint replacement procedures and specified ophthalmic procedures in private hospitals, from 100% of the cost to 80% of the cost.
These changes apply to all new and renewing customers from this date."

Just be aware of the reductions in benefits.

uck51js9zml2yt · 10-10-2011 8:39pm

Kristopherus wrote: »

From the HIA website:

"Vhi Healthcare will increase the cost of PMI 06 11 plan on 17 October 2011. The price per adult will increase from €711.11 to €1,279. Child prices (1-3) will increase from €111.11 per child to €200 per child and student prices will increase from €244.45 to €439.98 per student.
Vhi will also reduce the benefit paid for specified hip, knee and shoulder joint replacement procedures and specified ophthalmic procedures in private hospitals, from 100% of the cost to 80% of the cost.
These changes apply to all new and renewing customers from this date."

Just be aware of the reductions in benefits.

says it applies to new and renewing customers. need to check in the morning. it shoudnt apply if youve joined before the 17th !

oneweb · 11-10-2011 12:35am

Junior Melted Sin wrote: »

What part is fraudulent? The general public are entitled to access any plan which the health companies have....including corporate.

VHI and any other insurer will be more than happy to take your money no matter what you say you are.

However when you go to claim you might just find that your policy is null and void. Every insurance company has an entire team of people employed to reduce the number of payouts for the slightest of reasons.

uck51js9zml2yt · 11-10-2011 12:39am

oneweb wrote: »

Junior Melted Sin wrote: »

What part is fraudulent? The general public are entitled to access any plan which the health companies have....including corporate.

VHI and any other insurer will be more than happy to take your money no matter what you say you are.

However when you go to claim you might just find that your policy is null and void. Every insurance company has an entire team of people employed to reduce the number of payouts for the slightest of reasons.

yoi dont have to say your amything. thats the point. corporate schemes are open to.everyone. they just dont advertise it.

ted1 · 11-10-2011 7:08am

With risk equalization they legally have to offer you any scheme they have. It's to prevent them jacking up the prices for old or sick people.

Soarer · 11-10-2011 7:59am

oneweb wrote: »

VHI and any other insurer will be more than happy to take your money no matter what you say you are.

However when you go to claim you might just find that your policy is null and void. Every insurance company has an entire team of people employed to reduce the number of payouts for the slightest of reasons.

Stop scaremongering when you obviously haven't a clue what you're talking about.
There are no issues with an individual joining a corporate scheme, and there's certainly no issues with health provider paying out on same.

If there was, it wouldn't be long before they found themselves in court for mis-selling insurance policies.

davoxx · 11-10-2011 9:21am

Soarer wrote: »

Stop scaremongering when you obviously haven't a clue what you're talking about.
There are no issues with an individual joining a corporate scheme, and there's certainly no issues with health provider paying out on same.

If there was, it wouldn't be long before they found themselves in court for mis-selling insurance policies.

rather than giving false hope, you really should read the policy and then confirm it.

insurance policies are sold without fully disclosing the actual terms, small print is often used to refuse payout on claims.

if you don't read the small print, buy at your own risk.

Soarer · 11-10-2011 9:35am

What false hope?

All corporate health insurance policies are open to individuals. I've been on one for the past few years, and have had no problem claiming anything covered under the policy.

Do you really think Niall Brady, Money Editor with The Sunday Times, would go on national radio telling people about this policy without checking the details first?

Do you really think the HIA would list this policy on their site knowing individuals couldn't claim from it, without putting a disclaimer on it?

I really can't be any clearer than what I'm being. If you don't want to take out the policy, fine. But don't be putting doubts in people's heads about the validity of them joining, thus unnecessarily costing them hundreds of euro in premium payments.

ted1 · 11-10-2011 9:37am

how is he giving false hope?

the health insurance market is very legitated and above board

look what the regulator says.
http://www.hia.ie/consumer-info/choosing-products.htm

**********************************************
Can anyone buy any product?
Yes. An insurer must sell you the plan you request. Some plans are marketed towards certain groups such as companies or professions. You are entitled to these plans regardless of whether or not you are a member of the group to whom it is being marketed
****************************************************

davoxx · 11-10-2011 9:41am

Soarer wrote: »

What false hope?

All corporate health insurance policies are open to individuals. I've been on one for the past few years, and have had no problem claiming anything covered under the policy.

Do you really think Niall Brady, Money Editor with The Sunday Times, would go on national radio telling people about this policy without checking the details first?

Do you really think the HIA would list this policy on their site knowing individuals couldn't claim from it, without putting a disclaimer on it?

I really can't be any clearer than what I'm being. If you don't want to take out the policy, fine. But don't be putting doubts in people's heads about the validity of them joining, thus unnecessarily costing them hundreds of euro in premium payments.

if you want the policy fine, but don't be giving false hope.

if you've read the full policy (which i have not) then fair enough i accept your opinion. but claiming that it is okay because some guy on the radio said so is silly considering that we are dealing with insurance companies who do not want to pay out.

Pmi0611 VHI policy code that makes a big saving

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