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Cancel VHI
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Cancellation service #1 in New Zealand
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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.
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- guarantee the validity of an incorrect or outdated address.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.
Cancel Vhi: Easy Method
What is Vhi
Overview
Vhi Healthcare is a major Irish private health insurer that offers hospital and ancillary cover, digital services, and access to Vhi 360 clinics. Policies are primarily designed for the Irish market and are contracted in euros.
Relevance for New Zealand residents
If you live in New Zealand and hold or are considering a Vhi policy (for example if you moved from Ireland or maintain an Irish policy), the contract terms are governed by Vhi’s Irish terms and Irish regulation.
Check how overseas residency affects cover, eligibility and tax/levy obligations with Vhi before making changes.
How to cancel Vhi
Immediate steps to take
- Locate your policy documents (policy number, renewal date, membership details).
- Decide whether you are within the 14-day cooling-off period from joining or renewal.
How to submit the cancellation
- Contact Vhi Customer Service by post, phone or the app/portal if available to you.
- If sending by post, address correspondence to: Vhi Healthcare, Attn: Customer Service, Vhi House, Lower Abbey Street, Dublin 1, Ireland.
- Include your full name, policy number, reason for cancellation, preferred refund method and contact details.
- Keep a copy of all correspondence and proof of postage or screenshots of app messages.
What happens when you cancel
Access and cover
Cover typically ends on the cancellation date specified by Vhi or as agreed in writing. If you cancel during the 14-day cooling-off period, no claims are payable for that period.
Renewal and automatic renewal
Vhi policies are 12-month contracts that renew automatically. You should receive notification at least 20 working days before renewal.
You have up to 14 days from your renewal date to amend or cancel without penalty, subject to the cooling-off rules below.
Will I get a refund?
Cooling-off period refund
During the 14-day cooling-off period from policy renewal or joining, you are entitled to a full refund. No claims will be paid for that 14-day period.
Refunds after cooling-off
- Cancellation mid-contract (after the 14-day period) may incur penalties, including a prorated health insurance levy and administration fees.
- Small refund adjustments of €10 or less may not be issued due to administration costs; larger refunds must be paid to the policyholder.
Vhi plans and pricing
Known offering for New Zealand users
The Vhi app is available to download and is free, but its full functionality requires an active Vhi policy.
Pricing availability
There is no public NZD pricing for Vhi plans for 2024/2025; most Vhi plan pricing is published in euros for the Irish market.
| Plan | Price | Period | Features |
|---|---|---|---|
| Vhi App (download) | Free | N/A | App is free to download on NZ App Store; usage requires an active Vhi policy. |
Your consumer rights in New Zealand
General guidance for NZ residents
If you are resident in New Zealand, local consumer protection laws may apply to purchases made in New Zealand. However, Vhi is an Irish insurer and its contracts are governed by Irish terms.
Practical steps
- Check whether the contract specifies Irish law and jurisdiction; this affects which country’s rules apply.
- Contact New Zealand consumer protection bodies if you think local consumer law should apply or if you need advice on cross-border contracts.
Customer experiences
Positive reports
Some customers praise Vhi 360 clinics for efficient care, quick diagnostic service and compassionate staff.
There are also reports of swift claim payments via the app and efficient hospital expense processing, minus excess amounts.
Negative reports
Common complaints include poor customer service, long waits, and confusing claims processes.
Others report issues with cooling-off refunds (delays, partial refunds or cheque payments) and difficulty obtaining reimbursements.
Documentation checklist
Essential documents to gather
- Policy number and copy of the policy schedule
- Renewal notice or joining confirmation (date stamps are important)
- Proof of identity (photo ID) and proof of address
Supporting documents for refunds or disputes
- Bank details or preferred refund method
- Copies of claims submitted and any payment receipts
- Correspondence with Vhi (emails, chat transcripts, posted letters)
Common mistakes
Missing cooling-off windows
A frequent mistake is assuming you can cancel at any time without penalty. Vhi’s 12-month contracts renew automatically and only allow penalty-free cancellation within specific windows.
Missing the 14-day post-renewal window can result in administration fees and levy charges if you cancel later.
Poor record-keeping
Failing to keep copies of renewal notices, cancellation requests and proof of postage reduces your ability to dispute delays or incorrect refunds.
Also check whether a policy was quoted as a 12-month contract (for example some ancillary plans are fixed-term) before cancelling.
Comparative recap
Quick feature comparison
| Feature | Vhi (key points) |
|---|---|
| Contract length | 12-month contracts that renew automatically; notified 20 working days before renewal. |
| Cooling-off | 14-day cooling-off from joining or renewal with full refund; no claims payable in that time. |
| Mid-contract cancellation | May incur prorated levy and administration fees; refunds ≤ €10 may not be issued. |
| Pricing in NZ | No public NZD pricing; most plan prices published in euros for the Irish market. |
After cancelling
What to check next
Confirm the cancellation in writing and request a written statement showing the effective cancellation date and any refund due.
Allow reasonable processing time and retain all confirmation documents for future reference.
Useful links and contacts
- Vhi Terms of Business
- Vhi Help & Support - Switching and Cooling-off
- Health Insurance Authority - Cancelling and Switching (Ireland)
- Customer reviews (Trustpilot)
Address
Postal address for cancellations
Vhi Healthcare, Attn: Customer Service, Vhi House, Lower Abbey Street, Dublin 1, Ireland.
Keep a record
Send cancellations by recorded delivery where possible and keep proof of postage or delivery confirmation.