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

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

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.