VHI Plan - what does it cover?

denhamd2

Hello,

I have a VHI Company Plan plus policy in work. My wife is pregnant and I'm just wondering does anyone know would my policy cover her hospital stay, etc. or what exactly it covers?

Thanks

Moonbeam

In Holles st to go semi private I pay 260 euro and 110 for the anomaly scan with my vhi.
http://www.vhi.ie/info/lifestages/index.jsp maternity is listed.

For example on First plan plus -

Maternity Benefits

Full cover for up to 3 days private accommodation in a public hospital or an allowance of €2,275 towards up to 3 days accommodation in a private maternity hospital.
Up to €869.81 towards doctors' fees while you are in hospital having your baby.
Up to €2,275 towards the medical expenses incurred for a home birth.
Your newborn baby is covered free until your next renewal date.



Though pretty sure you can't go public for the pregnancy and private for the birth.
Also look at the midwive led schemes,I knew nothing about them and wish now I had.


And Congrats:)

denhamd2

Thanks I'm very chuffed and excited at the moment I'm not sure if that is the same as the plan I have. Do you know anything about the Company plan plus one?

Moonbeam

Aww,it is so exciting:)

Nope, it does not seem to be listed so it maybe first plan plus but under the company plan.

denhamd2

Moonbeam wrote: »

Aww,it is so exciting:)

Nope, it does not seem to be listed so it maybe first plan plus but under the company plan.

yeah its our first so mixture of nerves and excitement really. I found something here:
http://www.google.ie/url?sa=t&source=web&ct=html&cd=2&url=http%3A%2F%2F74.125.113.132%2Fsearch%3Fq%3Dcache%3AJDT5SjKR4toJ%3Awww.vhi.ie%2Fpdf%2Fproducts%2Fcompany_plan_plus.pdf%2Bvhi%2B%2522company%2Bplan%2Bplus%2522%2Bpregnant%26hl%3Den%26ct%3Dclnk%26cd%3D2%26gl%3Die%26client%3Dfirefox-a&ei=hKU_SfnnFdyLmQeI_NHsDg&usg=AFQjCNEliLXXflhVaUoJ4DEE1tlq-vjRJQ&sig2=kW417hFytOUAm9Dv-Zweog

I know this is a stupid question but does my plan cover my wife? What I mean is I can avail of the maternity benefits on my plan right? as she doesn't have this plan...

Moonbeam

No idea ,you would need to ring them.
You can claim the tax relief for what you pay on her behalf though.It is only at the lower rate of tax from next year so if you are going private or semi private try pay it this year if you pay tax at the higher rate.

denhamd2

Moonbeam wrote: »

No idea ,you would need to ring them.
You can claim the tax relief for what you pay on her behalf though.It is only at the lower rate of tax from next year so if you are going private or semi private try pay it this year if you pay tax at the higher rate.

ok thanks for your help mate

NuMarvel

The maternity benefits would be dependent on the product that your wife has, the cover you have doesn't affect it. Is she a dependent on your policy or does she have her own cover?