Insurance Plans
| Aviva Health Excess & Shortfalls- Bon Secours Hospital Galway | ||||
|---|---|---|---|---|
| Excess per Claim | Outpatient/Side Room/Daycare Shortfall (Echo not covered) | Semi Private Shortfall | Private Shortfall (if requesting a private room) | |
| Level 1: Access | No Excess | 40% shortfall | 40% shortfall | 40% shortfall shared rate + Extra payment due per night |
| Level 1: Hospital / Everyday / Plan / Health / Daily | No Excess | 40% shortfall (see note ") | 35% shortfall (see note^) | 35% shortfall of shared rate (see note^) + Extra payment due per night |
| Level 1: Hospital/Everyday (Nurses/Teachers) | No Excess | 40% shortfall (see note ") | 35% shortfall (see note^) | 35% shortfall of shared rate (see note^) + Extra payment due per night |
| Level 1: Me / I / We / Total Life / We Citi | No Excess | 40% shortfall | 40% shortfall | 55% shortfall |
| Level 2: Access | €75 excess OPD/DC | No Shortfall | No Shortfall | Extra payment due per night |
| Level 2: Everyday / Complete Health / Nurses/Teachers | No Excess | No Shortfall | No Shortfall | Extra payment due per night |
| Level 2: Hospital / Hospital (Nurses/Teachers) / Health Plan 02 | No Excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Level 2: Family Health | €75 Excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Level 2: Health Excess | €125 Excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Level 2: Postbank Health / Postbank Daily | No Excess | No Shortfall | No Shortfall | Extra payment due per night |
| Level 2: Me / I / We / Total Life | No Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| Level 2: I/We with Excess | €75 Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| Levels 3, 4, 5: I / We / Total Life / Citi Plan | No Excess | No Shortfall | No Shortfall | No Shortfall |
| Biz Plan / Biz Plan Plus | €75 Excess | No Shortfall | No Shortfall | Extra payment due per night |
| Business Plan Hospital / Business Plan Select | €125 Excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Business Plan Hospital Plus | €125 Excess | * €2,000 co-payment on certain Orthopaedic procedures | €50 nightly excess | |
| Business Plan Extra / Business Plan Select Plus | €75 Excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Business Plan Plus / Health Plan 03 / Health Plan 04 | €125 Excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Business Plan Complete | €75 Excess. €150 Excess if requesting private room | * €2,000 co-payment on certain Orthopaedic procedures | €150 excess per claim | |
| Business Plan Executive | No Excess | No Shortfall | No Shortfall | No Shortfall |
| Business Plan Choice | €75 Excess OPD/DC, €125 Excess In/pt | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Nurses/Teachers Choice | €125 Excess In/pt | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Health Plan: 05 / 06 / 07 / 10 | €75 excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Health Plan 08 | €75 Excess | * €2,000 co-payment on certain Orthopaedic procedures | €100 nightly excess | |
| Health Value Plan | €125 Excess( Max 5 nights) | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Health Starter Plan | No Excess | 50% shortfall | 50% shortfall | 50% shortfall shared rate + Extra payment due per night |
| Family Value | €125/€250 Excess | * €2,000 co-payment on certain Orthopaedic procedures | Extra payment due per night | |
| Teachers/Nurses Plan | No Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| Teachers/Nurses Plan Plus | No Excess | No Shortfall | No Shortfall | No Shortfall |
| Aviva Health Plan / Market Plan | No Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| AA Plan Level 2 | No Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| AA Plan Plus | No Excess | No Shortfall | No Shortfall | No Shortfall |
| Celestica Plan | €80 Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| Smart Plan / Market Plan | No Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| Health Plan 1001 | €75 Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| Health Plan 1002 | €100 Excess | No Shortfall | No Shortfall | €75 Shortfall per night |
| NOTE: €2,000 co-payment on certain orthopaedic procedures. Please contact Aviva with your procedure code to confirm. | ||||
| Note" Effective from 17/06/12 for new members and renewals | ^ Effective from 31/03/13 for new members & renewals (previously 25% shortfall) |
| GloHealth Excess & Shortfalls - BON SECOURS HOSPITAL GALWAY. | |||
|---|---|---|---|
| PLAN | Outpatient/Side Room/Daycare Shortfall | Semi Private Shortfall | Private Shortfall (if requesting a private room) |
| Basic Plan, renewals pre 31/03/2013 | €100 excess per claim | 40% shortfall | 40% of semi private rate + Extra payment due per night |
| Basic Plan, renewals & new members from 31/03/2013 | 40% shortfall | 40% shortfall | 40% of semi private rate + Extra payment due per night |
| Good Plan | €75 excess per claim | 40% shortfall | 40% of semi private rate + Extra payment due per night |
| Better Plan | €50 excess per claim | €100 excess per claim (see note*) | €200 excess per night (see note*) |
| Better Plan Ultra Cash | €50 excess per claim | €100 excess per claim (see note*) | €200 excess per night (see note*) |
| Best Plan | Full cover | Full cover (see note*) | €200 excess per night (see note*) |
| Best Plan Ultimate Cash | Full cover | Full cover (see note*) | €200 excess per night (see note*) |
| Ultra Plan | Full cover | Full cover | Full cover |
| Ultimate Plan | Full cover | Full cover | Full cover |
| Laya Healthcare Excess & Shortfalls - Bon Secours Hospital Galway | |||
|---|---|---|---|
| Plan | Excess per Claim | Surgical Outpatient, Daycase Shortfalls | Semi Private/Private Shortfalls |
| Aspire | No Cover | No Cover | No Cover |
| Company Care (Excess) | €125.00 Excess | No Shortfall | €110.00 per night for private room |
| Company Care (No Excess) | No Excess | No Shortfall | €110.00 per night for priavte room |
| Company Care Choice | €125.00 Excess | No Shortfall | €165.00 per night for private room |
| Company Care Gold | No Excess | No Shortfall | No Shortfall |
| Company Care Plus | No Excess | No Shortfall | €50.00 per night for private room |
| Company Care Premium (Excess) | €125.00 Excess | No Shortfall | No Shortfall |
| Company Care Premium (No Excess) | No Excess | No Shortfall | No Shortfall |
| Company Care Starter | No Cover | No Cover | No Cover |
| Company Health | No Excess | €255.00 Shortfall per day | €255.00 Shortfall per day |
| Company Health Plus (Excess) | €125.00 Excess | No Shortfall | €127.00 per night for private room |
| Company Health Plus (No Excess) | No Excess | No Shortfall | €127.00 per night for private room |
| Complete Care | €125.00 Excess | No Shortfall | No Shortfall |
| Credit Union Family | €125.00 Excess | No Shortfall | €165.00 per night for private room |
| Credit Union Starter | No Cover | No Cover | No Cover |
| Essential | No Excess | €255.00 Shortfall per day | €255.00 Shortfall per day |
| Essential Care | No Cover | No Cover | No Cover |
| Essential Choice | No Excess | €400 Shortfall per day | €400 Shortfall per day |
| Essential Complete | €125.00 Excess | No Shortfall | €150.00 per night for private room |
| Essential Connect | €125.00 Excess | No Shortfall | €280.00 per night for private room |
| Essential Connect Saver | €250.00 excess per claim | No Shortfall | €280.00 Shortfall per day |
| Essential First | No Excess | €430.00 Shortfall per day | €430.00 Shortfall per day |
| Essential Gold | No Excess | No Shortfall | No Shortfall |
| Essential Health | €125.00 Excess | No Shortfall | €250 per night for a private room |
| Essential Plus (Excess) | €125.00 Excess | No Shortfall | €127.00 per night for private room |
| Essential Plus (No Excess) | No Excess | No Shortfall | €127.00 per night for private room |
| Essential Plus Starter | No Cover | No Cover | No Cover |
| Essential Select | No Cover | No Cover | No Cover |
| Essential Starter | No Excess | €420.00 Shortfall per day | €420.00 Shortfall per day |
| Family Care | €125.00 Excess | No Shortfall | €165.00 per night for private room |
| Health Manager First | No Cover | No Cover | No Cover |
| Health Manager Gold | No Excess | No Shortfall | No Shortfall |
| Health Manager Starter | No Cover | No Cover | No Cover |
| Health Protect | No Cover | No Cover | No Cover |
| Health Sense (Excess) | €125.00 Excess | No Shortfall | €150.00 per night for private room |
| Health Smart | €125.00 Excess | No Shortfall | €127.00 per night for private room |
| Health Smart Family | €125.00 Excess | No Shortfall | €165.00 per night for private room |
| Health Wise Plus (No Excess) | No Excess | No Shortfall | €150.00 per night for private room |
| HealthManager | €125.00 Excess | No Shortfall | No Shortfall |
| HealthManager Silver | No Excess | No Shortfall | No Shortfall |
| Personal Care | €125.00 Excess | No Shortfall | €165.00 per night for private room |
| Protection 1 | No Excess | No Shortfall | €38.09 per night |
| Protection 2 | No Excess | No Shortfall | No Shortfall |
| Protection 3 | No Excess | No Shortfall | No Shortfall |
| Simply Health (Excess) | €125.00 Excess | No Shortfall | €165.00 per night for private room |
| Simply Health Starter | No Cover | No Cover | No Cover |
| Student Care | No Cover | No Cover | No Cover |
| Teach Choice | No Cover | No Cover | No Cover |
| Teach Plus | €125.00 Excess | No Shortfall | €150.00 per night for private room |
| Total Health (No Excess) | No Excess | No Shortfall | €50.00 per night for private room |
| Total Health Choice | €125.00 Excess | No Shortfall | €175.00 per night for private room |
| Total Health Plus | €100 Excess | No Shortfall | €50 per night for priavte room |
| Total Health Select | No Excess | No Shortfall | No Shortfall |
| VHI Private Hospital Excess & Shortfalls - Bon Secours Hospital Galway | ||||
|---|---|---|---|---|
| PLAN | Excess per Claim | Outpatient/Side Room/Daycare Shortfall | Semi Private Shortfall | Private Shortfall (If requesting a private room) |
| One Plan Access(Plan A) / One Plan Access Plus (A Options) | No Excess | 40% of total bill | 40% of total bill | 55% of total bill |
| Healthplus Access (Plan B) /Healthplus Extra (B Options) | No Excess | No shortfall | No shortfall | Extra payment due per night |
| Healthplus Excess (Plan B Excess) | €75 per claim | No shortfall | No shortfall | Extra payment due per night |
| Healthplus Excess 150 | €150 per claim | No shortfall | No shortfall | Extra payment due per night |
| Parents & Kids / Parents & Kids Options | No Excess | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Parents & Kids Excess | €75 per claim | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Parents & Kids Excess 150 | €150 per claim | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Healthplus Choice (Plan C / C Options) | No Excess | No shortfall | No shortfall | No shortfall |
| Healthplus Premium / Platinum ( Plan D / Plan E) | No Excess | No shortfall | No shortfall | No shortfall |
| First Plan Starter / One Plan Starter | NO COVER | |||
| First Plan | No Excess | 40% of total bill | 50% of total bill | 50% of total bill+ Extra payment due per night |
| First Plan Select | PLEASE CONFIRM COVER WITH VHI | |||
| First Plan Plus | No Excess | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| One Plan / First Plan Extra | €125 per claim | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| One Plus Plan / One Plan 1.10 / One Plan Choice | €125 per claim | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| One Plan Extra / Complete | No Excess | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| One Plan 250 / Nurses One Plan 250 / Teachers One Plan 250 (Inpt excess payable only twice in policy year) | €150 for daycare/side room. €250 Inpatient excess | ** 40% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| One Plan 500 (Inpt excess payable only twice in policy year) | €150 for daycare/side room. €500 Inpatient excess | ** 40% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| One Plan Sport | €125 per claim | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Family Plan Level 1 & Level 2 | No Excess | 40% of total bill | 50% of total bill | 50% of total bill+ Extra payment due per night |
| Family Plan Plus Level 1 & Level 2 | No Excess | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Forward Plan Level 1 & Level 2 | No Excess | No shortfall | No shortfall | No shortfall |
| Company Plan Starter | NO COVER | |||
| Company Plan | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Company Plan Plus Level 1 / Plus Level 1.2 / Wellplus 2 | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Company Plan Plus Select | €125 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Company Plan Plus Level 1.1 | €100 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Company Plan Extra Excess | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| Company Plan Extra | No Excess | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| Company Plan Extra Level 1 / Level 2 / Level 3 / Wellplus 1 / Wellplus 3 | No Excess | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| Company Plan Extra Level 2 Excess | €125 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| Company Plan Executive / Company Plan Executive Excess | No Excess | No shortfall | No shortfall | No shortfall |
| Company Plan Extra Select | €100 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| Corporate Plan | €125 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| WellPlus 1 Excess | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| Nurses Plan / Teachers Plan | No Excess | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| Nurses Plan Select / Teachers Plan Select | €125 per claim | ** 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 01 11/ 02 11 | €125 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 03 11 | No Excess | No shortfall | No shortfall | Extra payment due per night |
| PMI 04 11 | No Excess | No shortfall | No shortfall | No shortfall |
| PMI 05 11 / 07 11 / 23 11 | No Excess | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| PMI 06 11/14 11/16 11/ 18 11/19 11/21 11 | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 08 11 | €150 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 15 11 | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €150 excess per day | |
| PMI 17 11/ 24 11 | €150 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 10 11/11 11/12 11 | €125 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 22 11 | €125 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| PMI 25 11 | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| PMI 28 12/ 32 12/ 33 12 | €75 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 29 12 | €100 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | €50 Excess per night | |
| PMI 30 12 | No Excess | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| PMI 31 12 | €100 per claim | * 20% Shortfall on some Orthopaedic & Ophthalmic procedures | Extra payment due per night | |
| NOTE: 20% shortfall on benefits for some orthopaedic & ophthalmic procedures. Please contact VHI with your procedure code to confirm shortfall. |