Terms & Conditions - Vhi International

1) IntroductionWelcome and thank you for choosing Vhi International Health Insurance (hereafter referred to as Vhi International) from Vhi Healthcare to look afterYour health insurance needs while living abroad.Please check Your Policy Details and membership card(s) to make sure that all of the details shown are correct. If any changes need to be made thenplease let Us know immediately.Take a few moments to refresh Your memory about the cover You have purchased to make sure that You fully understand what is covered and what is notcovered. Your Policy has been written using plain language wherever possible and has been designed to set out all of the features and benefits of VhiInternational in a straightforward and easy to understand format. If there is any aspect of Vhi International You are unsure about then please let Us know.2) Where to contact usWhat to do in an emergencyWe appreciate that an Illness or Accident can happen at any time and for this reason We recommend that You carry Your Vhi International membershipcard with You at all times. If You are rushed into Hospital as an emergency please make sure wherever possible that You, a member of the hospital staff,Your family, friend, or work colleague contacts Us within 2 days of Your either being admitted or discharged from Hospital, whichever is the earliest.A 24 hour emergency medical assistance service is available in respect of medical emergencies (including transportation). To obtain pre-authorisationfor costs in connection with In-Patient/Day-Care Treatment or transportation in an emergency situation please contact Us on any one of thefollowing numbers:24 Hour Customer Service Line: +353 46 9077377For members in the USA call Toll Free: 1 800 852 7747What to do if You need non-emergency treatmentFor any general advice about making a Claim or queries regarding an existing Claim You should contact:Vhi International Claims Department,Aria Insurance Services Limited,IDA Business Park,Athlumney,Navan,Co. Meath,Ireland.Customer Service Line: +353 46 9077377For members in the USA call Toll Free: 1 800 852 7747Email:vhi.international@aria-assistance.comThe Claims Department can be contacted 7 days a week from 8am to 8pm GMTPre-Authorising Your Claim – This is important so please read carefullyIf You:• are to be admitted to Hospital on either an In-Patient or Day-Care basis or;• require transportation and Ancillary Costs.You must contact Us for pre-authorisation within 14 days of learning that Medical Treatment is scheduled. If there is less than 14 days from the date ofYou learning that Medical Treatment is required until the planned admission date, you must inform us immediately. If You do not meet these conditionsYou may be responsible for bearing 25% of the Eligible Costs.• If You know in advance that You will need to incur these types of costs then please contact The Claims Department with the following information:– Your full name and date of birth;– Your membership number. This can be found on the front of Your membership card.This information will help Us identify You as a member of Vhi International. In the case of an admission to Hospital, We will liaise with the Hospital for acost estimate and details of what Medical Treatment is to be carried out.• In the unfortunate event of Your falling ill and needing Medical Treatment, see Your Physician in the usual way and take a claim form along withYou. You can obtain a form by logging onto:www.vhi.ie/pdf/claims/vhiinternational.pdfPlease note that any fee that Your Physician may charge for completing the form is Your responsibility.• If You have any treatment on an Out-Patient basis such as a consultation or a test for example an ECG/blood/urine test or x-ray, You should pay thebill and obtain a receipted invoice as You will need to attach this to the claim form when You submit it.2