Cancellation Vhi: Step-by-Step Guide

What is Vhi

Overview

Vhi is an Irish health insurance provider offering hospital and health plans that cover a range of treatments and services. Policies are subscription-based and governed by the insurer's terms and applicable Irish regulations.

Service footprint

Vhi primarily operates in Ireland and prices policies in euros. International customers (including those in Singapore) who hold or are considering a Vhi policy should note the provider is an Irish company and not a Singapore-based insurer.

How to cancel Vhi

Supported cancellation channels

• Phone: Contact Vhi customer services using the official contact numbers listed by Vhi.
• Email: Send a cancellation request to the official Vhi customer service email address, keeping a copy for your records.
• Post: Mail a signed cancellation letter to Vhi's postal address (see Address section below).
• Online: Use Vhi’s online portal (MyVhi/web) where available to submit a cancellation request.

Step-by-step cancellation steps

• Prepare your policy number and personal ID details before contacting Vhi.
• State clearly you wish to cancel the policy, the cancellation date you request, and whether you want a refund.
• Request written confirmation of cancellation and any refund calculation.
• Keep copies of all correspondence, reference numbers and dates for future reference or disputes.

What happens when you cancel

Access and cover

Once cancellation is processed, hospital and treatment cover under that Vhi policy will end on the cancellation date confirmed by Vhi.

Renewal and records

Auto-renewal may apply if you do not cancel before renewal date; check your policy renewal notices. Keep written confirmation to show the policy end date and any applicable refunds.

Will I get a refund?

Cooling-off period refund

If you cancel within the statutory cooling-off period (see next sub-section) and no claims have been made, you are entitled to a full refund of premiums paid.

Mid-term and claims-related refunds

• If you cancel mid-term with no claims: a pro-rata refund is typically available, minus the non-refundable health insurance levy (stamp duty) and a €50 administration fee.
• If any claims were made during the policy year: no refund is usually available and the full 12-month cost may apply.

Vhi plans and pricing

Pricing note

Vhi publishes plan details and pricing in euros. Do not rely on third‑party pages for prices; always check Vhi's official materials for the current costs and plan terms.

Singapore pricing and availability

There is no verified public listing of Vhi prices in Singapore dollars (SGD). If you are based in Singapore, contact Vhi directly for information about purchasing or holding a policy while resident abroad.

Your consumer rights in Singapore

Jurisdictional differences

Vhi is an Irish insurer; consumer protections, cooling-off periods and dispute procedures may differ between Ireland and Singapore. Your rights under Singapore law may not mirror Irish statutory entitlements.

Practical steps for Singapore-based customers

Before cancelling, confirm with Vhi which legal jurisdiction governs your contract and what remedies are offered to customers resident outside Ireland.

Keep copies of all communications and consider local dispute options if you encounter problems after cancellation.

Customer experiences

Positive reports

Some customers report good care at Vhi 360 clinics and helpful online GP consultations, with efficient treatment and low out-of-pocket costs in positive reviews.

Negative reports

Many reviews cite problems with customer service, difficulties with cancellations or refunds, and frustrations with claims handling. These issues appear commonly in public reviews.

For a broad view of customer feedback see independent review summaries.

Documentation checklist

What to gather before cancelling

• Policy number and full name as on the policy.
• Proof of identity (photocopy of passport or ID if required).
• Policy renewal notice or schedule showing dates and premiums.
• Records of any claims made during the policy year.

What to include in your cancellation request

• A clear statement that you wish to cancel the policy and the requested cancellation date.
• A request for a written confirmation and, if applicable, a refund calculation.
• Contact details for follow-up (email, phone, postal address).

Common mistakes

Assuming cooling-off applies everywhere

Many customers assume the 14-day Irish cooling-off right automatically applies in their jurisdiction. If you are outside Ireland, confirm how that right applies to your purchase.

Missing paperwork or wrong channel

Failing to send cancellation via an accepted channel, or not supplying the policy number and ID, can delay processing. Always ask for written confirmation.

Another common error is expecting a refund after claims have been paid; policies often bar refunds if any claims were made in the policy year.

Comparative recap

How Vhi compares on key cancellation points

After cancelling

What to expect next

Ask Vhi for a written confirmation showing the cancellation date and any refund amount. Note expected timelines for refund payments.

Where to get help

If you need guidance on the cancellation process or your rights, consult the Health Insurance Authority overview on cancelling and switching insurers:

Health Insurance Authority: Cancelling and switching

For a practical cancellation letter template and next-steps guidance see:

Postclic: Cancel Vhi

For Vhi policy rules and plan terms (useful when checking fee and refund clauses) refer to Vhi plan documentation:

Vhi policy rules (Scribd)

Address

Postal address for cancellation

Vhi

IDA Business Park, Purcellsinch, Dublin Road, Kilkenny, R95 WKK6, Ireland

Useful review reference

To read recent customer experiences and common issues, see aggregated reviews:

Trustpilot: Vhi reviews