Health Insurance Comparison HIA: Health Insurance Authority

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1 Health Insurance Comparison HIA: Health Insurance Authority Your Comparison VHI Healthcare One Plan Complete VHI Healthcare One Plan Family Prices per Annum Date current version of plan commenced Adult 1, , Child Child Child Child Young Adult Newborn

2 In Patient Private Patient in a multioccupancy (which may include semi-private) room in a public hospital and day case. Public Hospital Private Room Private Hospital Semi Private Room ; 90% for special in the Hermitage and Galway Clinic ; 125 excess per claim and 80% cover for certain orthopaedic and ophthalmic ; 90% cover for certain cardiac and special in Hermitage and Galway Clinic with 125 excess per claim Private Hospital Private Room Semi-private rate; 90% for special in the Hermitage and Galway Clinic ; 80% of semi-private rate for certain orthopaedic and ophthalmic Semi-private rate; 125 excess per claim and 80% of the semi-private rate for certain orthopaedic and ophthalmic. 90% cover for certain cardiac and special in Hermitage and Galway Clinic with 125 excess per claim Private and the Beacon Hospital, certain Cardiac Procedures 90%; 125 Excess per claim. Private and the Beacon Hospital, certain Special Procedures 90%. 80% cover for certain orthopaedic and ophthalmic 90%; 125 Excess per claim and 80% cover for certain orthopaedic and ophthalmic Private and the Beacon Hospital other than Cardiac and Special Blackrock Clinic and Mater Private 55% semi-private or 35% private; Beacon full cover 45% semi-private or 35% private; Beacon full cover; 125 excess per claim Day Case Private Hospitals ; 125 Excess per claim and 80% cover for certain orthopaedic and ophthalmic. Day Case The Blackrock Clinic, the Mater Private and the Beacon Hospital ; 125 Excess and 80% cover for certain orthopaedic and ophthalmic. Convalescence 51 x x 14 Cancer Support Benefit 100 for each treatment up to 1500 per year 100 for each treatment up to &euro Maternity Hospital Costs Up To 3 Nights Full Cover Full Cover Home Births 3,500 4,200 Delivery Consultant Fees up to agreed charges incurred on day of delivery for participating consultants up to agreed charges incurred on day of delivery for participating consultants

3 Out Patient Maternity Consultant Care See pre/post natal care See pre/post natal care Post Natal Home Help Alternative Amount To Post Natal Home Help Post Natal Home Nursing 600 following 1 nights stay in hospital or 300 following 2 nights Child Home Nursing 100 x 14 - No Excess 100 x 14 - No Excess Pre Post Natal Care Child Healthcare Benefit Parent Accompanying Child 40 x 14 not incl. first 3 days in hospital - No excess 40 x 14 not incl. first 3 days in hospital- No excess Partner Benefit Breastfeeding Consultancy Other Maternity Benefits Out-patient Benefits Individual Excess Family Excess 250 per member 250 per member Consultant Fees 51 per visit 60 x 7 GP Visits 20 per visit Physiotherapist 13 per visit Emergency Dental Care Non Emergency Dental 20 x 1 visit Home Nursing Full cover for Vhi Homecare benefit for certain and upon referral from certain hospitals Full cover for Vhi Homecare benefit for certain and upon referral from certain hospitals A & E Charge 20 per episode of care (Applies to A&E in Public Hospitals Only); Vhi Swiftcare 75 x 2 for sports injury Vhi Swiftcare 75 x 3 per child per year; no excess

4 Alternative Medicines Acupuncture Chiropractor Osteopath 20 x 12 combined visits Dietician Occupational Therapist Chiropodist Speech Therapist 20 x 12 combined visits Psycho Onchology Counselling Manual Lymph Drainage Hearing Test Optical 20 every 2 years Prescription Costs Employee assistance programme Other Day To Day Practitioners Orthoptists, Reflexologist, Podiatrists and Clinical Psychiatrist included under Alternative Practitioners benefit Child Speech And Language Therapy Travel Vaccinations Out Patient Policy Limit 4,000 1,500 Out-patient Radiology Approved Centres CT covered under Radiology, subject to excess; oncology patients of certain hospitals full cover. PET-CT no excess; MRI covered, no excess for category 1, with 125 excess for category 2, see rules. CT covered under Radiology, subject to excess; oncology patients of certain hospitals full cover. PET-CT no excess; MRI covered, no excess for category 1, with 125 excess for category 2, see rules. Non Approved Centres Radiology Consultants Fees 60 per procedure 60 per procedure Radiology Test Fees 50% of charges to a max of 500 per year 50% of charges to a max of 300 per year Radiology Health Screening Full cover for 1 Fitness Screening per 3 years; 50 excess Overseas Benefit Abroad For Surgical Procedures Available In Ireland 100,000 65,000

5 Benefit Abroad For Surgical Procedures Not Available In Ireland 100,000 65,000 Hospital Bill 100,000 65,000 Repatriation Expenses Companion Repatriation Expenses 1,000 1, Hour Telephone Assistance Expenses For Companion 1,000 1,000 Psychiatric Cover In Patient Psychiatric Non Alcohol Drug 180 days 100 days In Patient Psychiatric Alcohol Related 91 days per 5 years 91 days per 5 years Out Patient Psychiatric Care Mental health therapy 20 x 12; Clinical Psychologist 20 x 12 visits combined with Alternative Practitioners benefit Mental health therapy 20 x 12 Hospital lists

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