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How to Cancel VHI Healthcare IE

Cancellation requires a phone call to VHI customer service as there is no online option. You'll receive a pro-rata refund for unused premiums if you cancel mid-cycle, processed within 10-15 working days.

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Quick Facts

Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Pro-rata refunds for unused premiums if cancelled mid-cycle, processed within 10-15 working days.
After cancellation
VHI retains personal and medical records for 6 years after cancellation under Irish law. You can request data access under GDPR.

Cancellation Steps

Go directly to VHI Healthcare IE cancellation page

  1. Gather your membership details

    Find your VHI membership number from your card, policy documents, or renewal letter.

  2. Call VHI on 056 444 4444

    Ring during business hours (8am-6pm, Monday to Friday) with your membership number and desired cancellation date.

  3. Specify your cancellation date

    Give at least 30 days' notice from your billing cycle date to avoid additional charges.

  4. Request written confirmation

    Ask for written confirmation via email or post, and note the agent's name and call reference number.

Tips & Things to Know

  • Arrange replacement cover before cancelling to avoid gaps - new insurers apply 13-week waiting periods.
  • Ask VHI about discounts via employers or professional bodies before cancelling.
  • Keep written confirmation for 2 years to dispute any unauthorised charges with your bank.

Your Consumer Rights

  • EU Consumer Rights Directive (2011/83/EU) provides a 14-day cooling-off period for new policies.
  • Regulated by the Health Insurance Authority (HIA), which enforces consumer protections for private health insurance.

Frequently Asked Questions

Can I cancel VHI online?
No. VHI requires phone cancellation on 056 444 4444 during business hours (8am-6pm, Monday to Friday).
Will I get a refund if I cancel mid-cycle?
Yes. VHI provides pro-rata refunds for unused premiums, processed within 10-15 working days to your original payment method.
When does my cancellation take effect?
On the date you agree with the agent, typically the end of your current billing cycle. Confirmation arrives within 3-5 business days.
What waiting periods apply when switching insurers?
Most Irish insurers apply 13-week waiting periods for pre-existing conditions. Start your new policy before your VHI cancellation date.
How long does VHI keep my medical records?
VHI retains records for 6 years after cancellation under Irish law. You can request access under GDPR but cannot request deletion during this period.

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