Cancellation service #1 in Nigeria
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Vhi service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Vhi: Step-by-Step Guide
What is Vhi
Overview
Vhi (Vhi Healthcare) is an Irish private health insurer that provides individual and family health insurance products, clinics and digital services such as GP consultations and claims processing.
The company primarily operates in Ireland; publicly available information and pricing apply to Ireland rather than Nigeria.
Scope
This guide explains how to cancel a Vhi policy, what to expect about refunds and processes, and how those rules apply if you are seeking guidance in Nigeria.
It does not create a local legal interpretation for Nigeria where no Nigeria-specific Vhi offerings or consumer-rights details were found in public sources.
How to cancel Vhi
Methods of cancellation
- Phone: Call Vhi customer services (use the number on your policy documents or the Vhi website).
- Email: Send a cancellation request to the Vhi customer service email address used by your policy.
- Post: Send a signed written cancellation request to the postal address (see Address section below).
- Web: Cancel via Vhi web portal or the online account area if your policy is managed online.
Step-by-step cancellation process
- Step 1: Locate your policy number and personal details (name, address, date of birth).
- Step 2: Choose a cancellation method (phone, email, post, web) and prepare your written request if required.
- Step 3: State the cancellation date and whether you are within the 14-day cooling-off period.
- Step 4: Ask for written confirmation of cancellation and any refund calculation.
- Step 5: Keep copies of all correspondence and note the date you submitted the request.
What happens when you cancel
Access to services
Cover typically stops on the cancellation date specified by Vhi or the date noted in your request.
Access to insured benefits, digital GP services and clinic appointments will cease once the policy is cancelled.
Renewal, records and data
Your policy will not renew once cancellation is processed; you should receive written confirmation showing the cancellation date and status.
Vhi retains records in line with its data-retention policy; request confirmation of what personal data and policy records they keep if needed.
Will I get a refund?
Cooling-off period refund
If you cancel within the 14-day cooling-off period from joining or renewal you are entitled to a full refund.
Request the refund in writing and keep the confirmation of cancellation to support the refund process.
Refunds after cooling-off and exceptions
- After the 14-day cooling-off period, you may receive a refund only if no claims have been made in the policy year.
- Any refund after cooling-off is calculated less the pro-rata health insurance levy and a €50 administration fee.
- If any claims were made during the policy year, you are liable for the full 12-month cost and no refund will be given.
- Cancellations can be made by phone, email, post or web; App Store cancellations are not documented in publicly available sources.
Vhi plans and pricing
Availability summary
Publicly available information shows Vhi pricing and plans are published for Ireland.
No evidence was found that Vhi health insurance plans are priced or offered specifically in Nigeria in EUR for 2024 or 2025.
Quick pricing table
| Plan | Price (EUR) | Available in Nigeria |
|---|---|---|
| Vhi plans | Varies | No evidence of Nigeria-specific pricing; pricing applies to Ireland |
Your consumer rights in Nigeria
Local consumer-rights summary
No Nigeria-specific consumer rights information for Vhi was found via publicly available sources at the time of this guide.
If you are in Nigeria and require consumer-rights advice, consult local authorities for jurisdictional guidance.
Practical steps if you are in Nigeria
- Contact Nigerian consumer protection agencies for general advice on cross-border services.
- Seek independent legal advice if you have a cross-border dispute with a foreign insurer.
- Keep all communications and documents in case you need to escalate the matter to an advisory or regulatory body.
Customer experiences
Positive feedback
- Good experiences reported with online GP consultations.
- Some customers report efficient experiences at Vhi 360 clinics.
- Occasional smooth claims processing via the app has been reported.
Negative feedback
- Frequent complaints about poor customer-service responsiveness and delays.
- Problems reported when cancelling policies and receiving refunds, including delays and partial or cheque refunds.
- Confusion around claims and policy terms; overall low Trustpilot ratings (~2/5) have been noted.
Documentation checklist
Must-have items before you cancel
- Policy number and policy schedule.
- Proof of identity (passport or national ID) and proof of address.
- Bank details for refunds (account name, IBAN/BIC or local equivalent as requested).
Supporting documents
- Covering letter or email stating cancellation date and reason (if required).
- Copies of any claims made during the policy year (to confirm refund eligibility).
- Copies of previously issued correspondence from Vhi (renewal notices, policy documents).
Common mistakes
Delaying your request
Waiting too long to cancel may mean you miss the 14-day cooling-off period and lose entitlement to a full refund.
Submit cancellation promptly and request written confirmation to avoid disputes about timing.
Not checking claims and refund deductions
Assuming you will get a full refund after cooling-off can be a mistake if claims were made during the policy year.
Also expect a pro-rata health insurance levy deduction and a €50 administration fee for refunds after the cooling-off period.
Comparative recap
Key points at a glance
| Topic | Vhi (summary) |
|---|---|
| Cooling-off period | Full refund if cancelled within 14-day cooling-off period from joining or renewal. |
| Refund after cooling-off | Refund only if no claims; amount reduced by pro-rata levy + €50 admin fee. |
| Claims during policy | If claims made, liable for full 12-month cost and no refund is provided. |
| Cancellation methods | Phone, email, post or web. App Store cancellations are not documented publicly. |
| Availability in Nigeria | No evidence that Vhi plans or EUR pricing are offered specifically in Nigeria; public pricing applies to Ireland. |
After cancelling
Follow-up actions
Keep the written confirmation of cancellation and any refund correspondence until the refund is received and your records are clear.
If you do not receive confirmation within a reasonable time, follow up by phone and maintain written records of every contact.
Helpful links and contacts
- Vhi official website - for contact details and customer-service channels.
- Federal Competition & Consumer Protection Commission (Nigeria) - general consumer protection guidance in Nigeria.
Address
Postal address for cancellations
Vhi Healthcare
IDA Business Park, Purcellsinch, Dublin Road, Kilkenny, R95 WKK6
Notes about contacting by post
Send a signed cancellation letter and include copies (not originals) of supporting documents.
Use tracked delivery where possible and retain proof of posting and delivery for your records.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.