Health Insurance Comparison HIA: Health Insurance Authority

Transcription

1 Health Insurance Comparison HIA: Health Insurance Authority Your Comparison VHI Healthcare Company Plan Extra Advantage 125 Choice 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 Semi-private rate Private Hospital Semi Private Room with 125 excess per claim in selected private hospitals. Private Hospital Private Room Yes; 50 per night; 80% cover for certain orthopaedic and ophthalmic Shortfall of 200 per night in selected private hospitals and 125 excess per claim. No shortfall in Mater Private Cork. The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Cardiac Procedures The Blackrock Clinic, the Mater Private and the Beacon Hospital, certain Special Procedures except for listed orthopaedic in the Blackrock Clinic and Mater Private, which are covered with no co-payment The Blackrock Clinic, the Mater Private and the Beacon Hospital other than Cardiac and Special 50% semi-private; 40% private; Beacon full cover semiprivate but 80% cover for certain orthopaedic and ophthalmic Day Case Private Hospitals with 50 excess per claim in selected private hospitals. Day Case The Blackrock Clinic, the Mater Private and the Beacon Hospital Convalescence 30 x x 14 Cancer Support Benefit 100 for 1 night's accommodation for each treatment; Wig/hairpiece, mastectomy bra, swimsuit, surgical prosthesis (no excess, but subject to the maximum for medical and surgical appliances of 6,500) 100 per night-unlimited nights Maternity Hospital Costs Up To 3 Nights Full Cover Full Cover Home Births 3,500 3,200

3 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 Out Patient Maternity Consultant Care See pre/post natal care Up to 500 subject to 1 excess Post Natal Home Help Alternative Amount To Post Natal Home Help Post Natal Home Nursing 1,300 following 1 nights stay or 650 following 2, no excess 1200 for up to two nights Child Home Nursing 100 x x 28 Pre Post Natal Care 250; 125 Excess Child Healthcare Benefit Child Counselling 30 x 8; Paediatrician 75; Baby Massage 100 per child; Foetal screening 200; 1 excess 250 for outpatient expenses if child is in hospital for more than 3 nights. Parent Accompanying Child 100 X 14 not incl. first 3 days, no excess 80 x 14 Partner Benefit Breastfeeding Consultancy 30 X 2 Other Maternity Benefits Antenatal course 75; 1 excess; Fertility Programme carried out in Vhi participating fertility treatment centre: Initial Consultations 100 discount; AMH & Semen Analysis tests 100 discount; IUI 450 once per lifetime; IVF or ICSI 1,000 per treatment twice per lifetime; Fertility Counselling 40 per session, 4 sessions per treatment. Out-patient Benefits Individual Excess 1, but where stated 125 excess for some out-patient benefits 1 Family Excess 1, but where stated 125 excess per person for some out-patient benefits 1 Consultant Fees 65 x 25; 125 excess 60 per visit GP Visits 30 per visit; 3 consultations for online GPLive or Prescription Consultation Service Physiotherapist 25 per visit; Physioline

4 Emergency Dental Care 450 for restorative treatment within 5 days Non Emergency Dental 60 per year Home Nursing Full cover for Vhi Homecare benefit for certain and upon referral from certain hospitals 50 x 40 A & E Charge Vhi Swiftcare 75 towards initial consultation ( 50 member co-payment); follow-up treatment package 50% cover subject to maximum member co-payment of unlimited visits 60 per visit Alternative Medicines Acupuncture Chiropractor Osteopath Acupuncture 40 x 5 visits combined with Dietitian benefit below 30 x 12 for Osteopath & Chiropractor Dietician Occupational Therapist Chiropodist Speech Therapist Dietitian 40 x 5 visits combined with Acupuncture benefit above 20 x 5 for Occupational Therapist & Chiropodist Psycho Onchology Counselling 50 X 10 visits Manual Lymph Drainage 50 X not subject to outpatient excess Hearing Test Optical 30 per year Prescription Costs Employee assistance programme Full EAP service including telephone and face to face counselling is provided Other Day To Day Practitioners Healthcoach online assessment and personalised programmes - unlimited use; Healthcoach face-to-face consultation - full cover for 1 consultation every 2 years. Child Speech And Language Therapy Travel Vaccinations 120; 1 excess 50 per year Out Patient Policy Limit 3,200 6,500 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. Direct payment-covered except cardiac CT's which are covered by non-direct payment terms; Non-direct payment-covered up to 200 per year

5 Non Approved Centres Not Radiology Consultants Fees 60 per procedure 50 per visit Radiology Test Fees 50% of charges to a max of 650 per year 50 per test Health Screening Lifestages Screening Programme 150 per screen every 2 years; 100% cover for Mammograms and 75% for Dexa scans every 2 years; Full cover 1 Fitness screening every 3 years; no excess Full cover for Mammograms and Dexa scans in certain centres.women's Cancer Screening up to 60; Men's Cancer Screening up to 50. Up to 250 for Executive Health Check every two years. Full cover for 'HeartBeat' cardiac screening, no excess Overseas Benefit Abroad For Surgical Procedures Available In Ireland 100,000 in the EU subject to approval Benefit Abroad For Surgical Procedures Not Available In Ireland 100,000 in the EU subject to approval Hospital Bill 100, ,000 Repatriation Expenses 2,000,000 Companion Repatriation Expenses 1,000 1, Hour Telephone Assistance Expenses For Companion 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 assessment 100 per 2 yrs; Mental health therapy 30 X 12; no excess. Child counselling 30 x 8; 1 excess 30 x 8 for child counselling; 50 x 12 Mental Health Consultations in Dean Clinic; Clinical Psychologist 40 x 8; 50 x 12 eating disorder consultations in Lois Bridges all subject to outpatient excess Hospital lists Private Hospital Semi Private Room

6 Advantage 125 Choice Private Hospitals Aut Even Kilkenny Barringtons Hospital Limerick Beacon, Dublin 18 (Cardiac Only) Blackrock Clinic, Co. Dublin (Cardiac Only) Bons Secours Galway Cahercalla Hospital, Clare Clane General Hospital, Kilkenny Hermitage Clinic, Dublin Mater Private Cork Mater Private Dublin 1 (Cardiac only) Private Hospitals Not Bon Secours Dublin 9 Bon Secours Tralee Bons Secours Cork Galway Clinic Hampstead Acute Unit, Dublin 9 Highfield Private Hospital, Dublin 9 North West Independent, Derry St John of God, Co. Dublin St. Vincent's Private, Dublin 4 Ulster Independent, Belfast National MS Care Centre, Dublin 6 Park West Clinic, Dublin 12 Sports Surgery Clinic, Dublin 9 St. Edmundsbury, Lucan, Co. Dublin St. Patrick's Hospital, Dublin 8 St. Joseph's Garden Hill, Sligo St. Francis Mullingar, Westmeath Whitfield Clinic, Waterford Private Hospital Private Room Advantage 125 Choice Private Hospitals Aut Even Kilkenny Barringtons Hospital Limerick Beacon, Dublin 18 (Cardiac Only) Blackrock Clinic, Co. Dublin (Cardiac Only) Bons Secours Galway Cahercalla Hospital, Clare Clane General Hospital, Kildare Hermitage Clinic, Dublin 20 Mater Private Cork

7 Mater Private Dublin 1 (Cardiac only) National MS Care Centre, Dublin 6 Park West Clinic, Dublin 12 Sports Surgery Clinic, Dublin 9 St. Edmundsbury, Lucan, Co. Dublin St. Patrick's Hospital, Dublin 8 St. Joseph's Garden Hill, Sligo St. Francis Mullingar, Westmeath Whitfield Clinic, Waterford Private Hospitals Not Bon Secours Dublin 9 Bon Secours Tralee Bons Secours Cork Galway Clinic Hampstead Acute Unit, Dublin 9 Highfield Private Hospital, Dublin 9 North West Independent, Derry St John of God, Co. Dublin St. Vincent's Private, Dublin 4 Ulster Independent, Belfast Day Case Private Hospitals Advantage 125 Choice Private Hospitals Aut Even Kilkenny Barringtons Hospital Limerick Beacon, Dublin 18 (Cardiac Only) Blackrock Clinic, Co. Dublin (Cardiac Only) Bons Secours Galway Cahercalla Hospital, Clare Clane General Hospital, Kilkenny Hermitage Clinic, Dublin Mater Private Cork Mater Private Dublin 1 (Cardiac only) Private Hospitals Not Bon Secours Dublin 9 Bon Secours Tralee Bons Secours Cork Galway Clinic Hampstead Acute Unit, Dublin 9 Highfield Private Hospital, Dublin 9 North West Independent, Derry St John of God, Co. Dublin St. Vincent's Private, Dublin 4 Ulster Independent, Belfast National MS Care Centre, Dublin 6 Park West Clinic, Dublin 12 Sports Surgery Clinic, Dublin 9 St. Edmundsbury, Lucan, Co. Dublin St. Patrick's Hospital, Dublin 8 St. Joseph's Garden Hill, Sligo St. Francis Mullingar, Westmeath Whitfield Clinic, Waterford