Cancellation Vhi: Easy Method

What is Vhi

Vhi (Vhi Healthcare) is an Irish private health insurer that provides a range of health insurance products and related services such as clinics, online GP consultations and travel add-ons. It is regulated under Irish health-insurance rules and prices and contract terms are set in euros for customers in Ireland.

If you are in Canada and have a relationship with Vhi (for example because you moved or purchased an expatriate policy), note that Vhi operates under Irish law and its standard consumer protections and procedures reflect Irish regulation and Vhi’s own Terms of Business.

How to cancel Vhi

• Determine which cancellation situation applies: renewal cooling-off (within 14 days after renewal notice) or mid-term cancellation. Renewal notices are normally provided at least 20 working days before renewal.
• For cancellation at renewal: cancel within 14 days of the renewal date (the cooling-off period) to avoid penalties and receive a full refund.
• For mid-term cancellation: contact Vhi by web, phone or email to request cancellation. If no claims have been made, expect a cancellation charge (the statutory health insurance levy calculated pro‑rata plus a €50 administration fee). If any claims have been made during the policy year, you will typically be liable for the full annual cost.
• App-store cancellations: Vhi’s official app cancellation method is not specified publicly in Vhi’s terms; app-store terms for unrelated “VHI” apps should not be assumed to apply.
• Where proof of delivery is important, send your written cancellation request by registered post (raccomandata A/R) to Vhi’s customer service address (see Address section below).

What happens when you cancel

When your Vhi policy is cancelled, access to benefits under that policy ends on the cancellation date. Any cover that depends on active membership (for example travel insurance add-ons tied to health cover) will also end. Renewal offers cease and you will not be automatically covered once the cancellation is processed.

Vhi retains records required for regulatory and administrative purposes. If you need copies of claims history or policy documentation after cancellation, request these from Vhi Customer Service and confirm how long they will retain your records and how they will provide them to you.

Will I get a refund?

Yes - subject to the rules that apply to your cancellation type. If you cancel during the 14-day renewal cooling-off period you are entitled to a full refund with no penalty. For mid-term cancellations, refunds are reduced: if no claims were made you should receive a refund less the pro‑rata health insurance levy plus a €50 administration fee. If claims were made during the policy year, Vhi’s standard position (under the terms summarized by regulators) is that you will be liable for the full annual cost and no refund will be issued.

If you hold a MultiTrip travel insurance policy provided as an add-on tied to your Vhi health cover, cancelling your Vhi health policy will typically cancel the travel policy automatically and such travel premiums are usually non‑refundable.

Vhi plans and pricing

Your consumer rights in Canada

If you are physically in Canada or a Canadian resident, provincial and federal consumer-protection and insurance laws apply in Canada - but those laws generally do not change the contractual terms of a foreign insurer domiciled and regulated in another jurisdiction (such as Vhi in Ireland). Rights available to you therefore depend on whether your contract is governed by Irish law or whether there are specific cross-border protections in your policy.

To protect yourself, check your policy wording for the governing law and dispute-resolution clauses, and contact your provincial insurance regulator or consumer-protection office for guidance on cross-border purchasing. If you believe a foreign insurer has treated you unfairly, Canadian consumer agencies can advise, but enforcement against a foreign insurer will normally require action through the regulator where the insurer is licensed (in Vhi’s case, Irish authorities).

Customer experiences

Customer reviews of Vhi are mixed. Positive reports commonly highlight good experiences at some Vhi 360 clinics (prompt care for injuries) and convenient online GP consultations, and some members report smooth claims and fast payments via the app. Negative feedback often concerns customer-service responsiveness, long waits at clinics, problems with cancellations and refunds (including delays or partial refunds), and dissatisfaction with coverage limits or claims outcomes. Expect variation in experience by product, location and interaction channel.

Documentation checklist

• Policy number and named policyholder details
• Renewal notice or policy schedule (if cancelling in the 14-day cooling-off period)
• Written cancellation request (date-stamped copy) and reason for cancellation
• Bank or payment details for refund (confirm how Vhi will pay refunds and whether they use cheque or electronic transfer)
• Any claim records or correspondence relevant to disputes over refund eligibility

Common mistakes

Common mistakes include missing the 14-day renewal cooling-off window (and assuming you can still get a full refund), failing to confirm whether any claims were recorded against your policy before cancelling, and not sending a clear written request with proof of delivery. Another frequent issue is assuming travel add-on premiums are refundable when they are tied to health cover - many customers discover the travel premium is non‑refundable once the health policy is cancelled.

Comparative recap

After cancelling

After cancellation, keep copies of all communications and confirmation of cancellation and any refund calculation. If you are owed a refund and it is delayed, escalate to Vhi Customer Service and, if necessary, to the Irish regulator (Health Insurance Authority) for assistance. For general policy and contact information see Vhi’s website: Vhi Healthcare. For regulatory guidance in Ireland see the Health Insurance Authority: Health Insurance Authority. If you are in Canada and need advice about cross-border consumer protection, contact your provincial insurance regulator or consumer protection office.

Address

Vhi Healthcare, Lower Abbey Street, Dublin 1, D01 DX77, Ireland