Global - International Private Health Insurance
Global from Vhi Healthcare is International Private Health Insurance for Irish residents who are moving, travelling or studying abroad for more than 6 months.
Global is available to both Vhi Healthcare members and non-Vhi Healthcare members. The product is designed to comprehensively cover your healthcare and travel insurance needs overseas. If you need to recoup medical costs, transfer to better facilities when medically necessary, claim for lost luggage or just need advice and practical help – wherever you are in the world, Global has you covered.
3 easy steps to buy the right cover for you
Step 1 - Where are you travelling to?
Global has 3 geographical areas to choose from depending on where you are travelling to:
- Area 1 Europe only
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Area 2 Worldwide (excluding North America, Canada & Caribbean)
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Area 3 Worldwide (comprises all countries worldwide)
Step 2 - What level of cover do you need?
There are two levels of cover to choose from:
Level 1
Level 1 cover is designed for persons who require comprehensive international health and travel insurance cover and who may be travelling to one or numerous destinations. Level 1 provides cover for medical expenses up to €1,000,000 and cover for day-to-day medical expenses up to €500 should you fall ill while on your travels. Your plan is designed to automatically include cover for hazardous sports and travel insurance which provides cover for cancellation / curtailment, lost luggage, flight delays and lots more for your entire trip. Level 1 also provides short-term cover for emergency medical treatment if you intend to travel outside your chosen geographic area. Level 1 members can choose Dental Insurance as an optional add-on.
Level 2
Level 2 cover is designed for business professionals or individuals that require enhanced medical cover. Level 2 offers medical expenses up to €1,500,000 including maternity benefits and cover for day-to-day medical expenses up to €3,000. This plan also provides short-term cover for emergency medical treatment if you intend to travel outside your chosen geographic area.
Members on Level 2 can choose from our range of optional add-ons; Dental and Travel Insurance.
Step 3 - Do you need any optional add-ons?
In addition to your Global cover members can choose from the following range of optional add-ons:
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Dental Insurance - €255 per person |
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Travel Insurance - €60 per person (Please note that Level 1 members have Travel Benefits automatically included on their plan). |
Dental Insurance Benefits Summary of Cover
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| Preventative treatments, including one annual check-up and one hygienist visit, including de-scaling and polishing. |
Full cover |
| Routine treatments, including x-rays, moulds, fillings, extractions. Treatment for relief of an infection, including prescribed antibiotics and temporary fillings. |
50% reimbursement up to €300 |
| Major restorative dental treatments, including new porcelain crowns, bridges and root canal treatments. |
50% reimbursement up to €500 |
Travel Insurance Benefits Summary of Cover
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| Personal liability |
€2,000,000 |
| Legal |
€25,000 |
| Personal accident |
€20,000 |
| Cancellation/curtailment |
€10,000 |
| Personal luggage |
€1,500 |
| Missed departures |
€500 |
| Money |
€500 |
| Lost passport |
€400 |
| Travel delay |
€200 |
| Access to an Emergency Medical Helpline 24 hours a day 365 days a year |
Why you should buy Global
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Smooth transfer to Global from current healthcare plan. |
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Access to all Medical Facilities Worldwide. |
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Direct payment to Hospitals for in-patient treatment with prior approval. |
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Flexibility to return home for major medical treatment with prior approval. |
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Cover while home in Ireland for visits up to 60 days. |
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Pre-existing illnesses restriction can be reduced by the number of continuous years that you hold an Irish private healthcare plan. |
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Students aged 19-24 in full time education abroad are charged at the under 19 rate of premium. |
Important to know
| 1. |
Already have private health insurance cover in Ireland? |
If you already have health insurance cover in Ireland you can transfer to Global easily with the following special arrangements:
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28-day no payment period from date of registration does not apply. |
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Pre-existing illnesses restriction can be reduced by the number of continuous years that you hold an Irish private healthcare plan. |
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The upper age limit of members transferring from private health insurance cover in Ireland is 74 years. |
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Any known or planned in-patient treatment during the 1st four months of your trip abroad is not covered. |
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Minimum premium period of 6 months applies. |
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Subject to a 28-day no-payment period from date of registration. |
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Required to complete a Supplementary Health Declaration Form. |
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The upper age limit of new members joining Global is 64 years. |
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Any known or planned in-patient treatment during the 1st four months of your trip abroad is not covered. |
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Minimum premium period of 6 months applies. |
Subject to waiting period restrictions for all pre-existing illnesses as follows:
| Members age |
Waiting period |
| Under 55 |
5 years |
| 55-59 |
7 years |
| 60+ |
10 years |
When you return to Ireland after your travels
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Simply contact us on your return and we will arrange to transfer your Global policy to one of our Irish healthcare plans. No additional forms need to be completed. |
If you would like any further information about Global please do not hesitate to phone us on CallSave 1850 200 492.
Please note the terms and conditions of this policy are different from your Irish hospital plan. A complete list of your cover details will be sent to you when you join or can be viewed beforehand simply click here>>
The Voluntary Health Insurance Board (trading as Vhi Healthcare) is regulated by the Financial Regulator. Vhi Healthcare is an agent of Europ Assistance Holding Irish Branch for non-life business.
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