The Health Insurance Authority (HIA) has announced price and benefit changes affecting several Vhi health insurance plans, effective from 1 September 2026.
The changes affect the following plans:
Vhi price changes
From 1 September 2026, price changes apply to:
- PMI 19 11
- PMI 38 14
Vhi benefit changes
Benefit changes also apply from 1 September 2026 to:
- PMI 18 11
- PMI 19 11
- PMI 38 14
The specific changes that apply to an individual policy will depend on the plan held and the relevant policy terms.
What do these changes mean for customers?
According to the HIA, your renewal notice will outline how any applicable price or benefit changes affect your health insurance plan.
If you are currently mid-contract, your price will not change until your renewal date.
This makes your renewal an important opportunity to review your existing health insurance and consider whether your current plan continues to meet your needs.
Why it is important to review your health insurance
Health insurance is not simply about comparing premiums. When reviewing your cover, it is important to consider the benefits that matter most to you and your family.
Depending on the plan, you may wish to consider areas such as:
- Hospital cover
- Private and semi-private accommodation
- Day-to-day medical expenses
- Consultant and specialist benefits
- Excesses and co-payments
- Outpatient benefits
- Policy terms, limits and exclusions
The benefits available can vary significantly between plans, so it is important to compare like with like and check the full policy details.
Reviewing your options
The HIA provides an independent Health Insurance Comparison Tool that allows consumers to compare health insurance plans available in Ireland.
At Dooley Insurance Group, we understand that health insurance can be complex, particularly when prices or benefits change. Reviewing your arrangements at renewal can help you better understand your current cover and the options available to you.
If you would like to discuss your health insurance requirements, our team can help you review your circumstances and provide information about the options available.
Talk to Dooley Insurance Group
If your Vhi renewal is approaching, or you have questions about changes to your health insurance plan, contact Dooley Insurance Group to discuss your circumstances.
Health insurance cover, benefits, exclusions, limits, excesses, eligibility requirements and premiums can vary between plans and insurers. Always check your renewal documentation and policy terms carefully before making a decision.
Source: Health Insurance Authority, “VHI Price & Benefit Changes Effective 1 September 2026”, published 17 August 2026.
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