The Sunday Times: Money Q & A: Can you cut the cost of our annual health insurance?


According to Dermot Goode of, VHI plan HealthPlus Excess is a good hospital benefits plan costing €1,879 per adult. It covers private in all public hospitals, and semi-private in standard private hospitals subject to a €75 excess per claim, with 90% cover for certain listed cardiac and special procedures in the high-tech hospitals in Dublin (Blackrock Clinic, Mater Private). It is not a corporate plan and therefore does not include guaranteed refunds on outpatient expenses. It is expensive relative to other plans in the market and we would recommend that you review this cover.