These tables show the main plans for each insurer,

Document Sample
These tables show the main plans for each insurer, Powered By Docstoc
					   Table 1: Day-to-Day Plans – Quinn Healthcare, VHI Healthcare and Hibernian Aviva
   Health


 Cost per month net of
  tax relief at source
                                 Product


                                                    QUINN HEALTHCARE
                                                     Quinn Healthcare have products which integrate day-to-day benefits with
         n/a                        n/a
                                                                     policies which provide in-patient cover
                                                      VHI HEALTHCARE
                                                   These products do not provide cover for hospital accommodation and can be
        €11.25              HealthSteps Silver                 bought alone or in conjunction with another policy.

         €17                HealthSteps Gold         Vhi also have products which integrate day-to-day benefits with policies
                                                                         which provide in-patient cover
                                                  HIBERNIAN AVIVA HEALTH
                          Day-to-day A with Me          These products do not provide cover for hospital accommodation.
        €8.92
                                   Plan
                                                     Day-to-Day A can be purchased as a stand-alone product for €11.92 per
        €10.16           Day-to-day A with I or We                                   month

                          Day-to-day 50 with any     Day to Day 50 can be purchased as a stand-alone product for €19.50 per
        €16.58                                                                      month
                                   plan

Prices correct as of the 12th March 2009

These tables show the main plans for each insurer, but is not a complete list of private
  health insurance policies nor does it show the full list of benefits associated with each
  plan. Please contact the individual insurers for a full list of policies and benefits.

Notes

• All products are available to all consumers.
   Table 2: Benefits available on day-to-day products – VHI Healthcare and Hibernian
   Aviva Health


                                        VHI Healthcare                         Hibernian Aviva Health
         Benefit                                                                                   Day-to-day 50
                          HealthSteps Silver HealthSteps Gold            Day-to-day A          (50% of your costs up to the
                                                                                                 maximums listed below)

       G.P. Visits        €25–7 times per year €35–7 times per year   €30 - 3 times per year    €30-15 times per year
                                  n/a           As per schedule of
   GP Procedures                                     benefits
                                                                               n/a                         n/a

        Dentist           €25–7 times per year €35–7 times per year   €30- 3 times per year    €25 – 8 times per year
    Physiotherapist     €25–7 times per year €35–7 times per year     €30- 3 times per year    €25 – 8 times per year
   Other day-to-day €25–7 times per year €35–7 times per year
     practitioners1/                                                                           €25 – 8 times per year
Alternative therapies2/ €25–7 times per year €35–7 times per year     €30- 3 times per year       to each type of
    Complimentary                                                                                   practitioner
       therapies3
                          75% to a max of €100 75% to a max of €200
    Health Screen              every 2 yrs          every 2 yrs
                                                                         €50 per annum              €100 per year

       Eye Test           75% to a max of €55 75% to a max of €100    €30 per annum                  €25 per year
  Glasses/ Lenses             every 2 yrs          every 2 yrs     €30 once every 2 years                  n/a
      Hearing test      €25 every 2 years €35 every two years            €30 per annum               €25 per year
   Child speech and                                                                            €25 – 8 times per year4
                                n/a                  n/a              €30- 3 times per year4
  language therapist
   Child counselling            n/a                  n/a              €50 per annum4           €25 – 8 times per year4
     Prescriptions              n/a                  n/a                       n/a                   €25 per year
    Consultant fees                                                                            €70 per visit, unlimited
                         €60 – 7 per year     €75 – 7 per year                 n/a
(excluding maternity)                                                                                  visits
Routine maternity out
                          €250 per year        €350 per year                   n/a                €250 per annum
 patient consultations
   Psycho-oncology                                   n/a
                                n/a                                            n/a              €25-8 times per year
      counselling
    Manual lymph                                     n/a
                                n/a                                            n/a              €25-8 times per year
        draining
Pathology: consultant                                                                           50% of charge as per
                         €60 per referral     €75 per referral                 n/a
          fees                                                                                   schedule of benefits
Pathology; cost of test 50% up to €300                                         n/a                  50% of charge
                                              75% up to €750
Radiology; cost of test                                                        n/a                  50% of charge
Radiology: consultant                                                                           50% of charge as per
                        €60 per procedure €75 per procedure                    n/a
          fees                                                                                   schedule of benefits
 Clinical Psychologist €25–7 times per year €35–7 times per year               n/a                       n/a
                     th
   Correct as of 9 July 2009

   1
    Other Day-to-day practitioners is the term used by Hibernian Aviva and it covers Acupuncture,
   Chiropody, Chiropractics, Dietitians, Homeopathy, Massage Therapy, Medical Herbalism, Physical
   Therapy, Podiatry, Occupational Therapy, Osteopathy (including baby massage) and Reflexology.

   2
    Alternative therapies as defined by VHI are: Acupuncture, Chiropractics, Physical Therapy,
   Osteopathy and Reflexology.

   3
    Complimentary therapies as defined by Vhi are: Chiropody/Podiatry, Dietetics, Occupational Therapy,
   Speech Therapy and Orthotics.
4
    Only available with the We Plan.



Product Comparison Disclaimer

Health insurers currently market in excess of 150 different types of contracts. These contracts are
available to all consumers. The Health Insurance Authority publishes this document to address the
difficulty consumers may have in comparing these products. It provides the main benefits of the more
popular plans, but is not a complete list of private health insurance policies nor does it show the full list
of benefits associated with each plan or the terms and conditions that apply. Please contact the
individual insurers for a full list of policies and benefits.