#1 Ireland 48.3% Market Share1.1M MembersCommunity Rating

VHI One Plan

by VHI Healthcare

★★★★☆4(24,300 reviews)

VHI Healthcare is Ireland's oldest and largest health insurer with 48.3% market share and approximately 1.1 million members. Its One Plan range offers comprehensive private hospital and specialist cover under Ireland's community rating system, where insurers cannot refuse applicants or charge based on health status.

Monthly Premium

€80 - €250

Deductible

€0 - €200

Coverage Type

comprehensive

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Largest hospital network access in Ireland
✓Most plan variety in Irish market
✓Wearable device digital health tools

Cons

✗Pre-existing conditions not covered for first 5 years
✗Average premium reached €1,902 in 2025

Editorial Review

“VHI's 48.3% market share and 1.1 million members make it the default reference point in Irish health insurance — its scale enables the largest contracted private hospital network and the most extensive plan range of any Irish insurer.”

— Settle.ie VHI vs Laya vs Irish Life 2025; HIA Ireland Market Report 2024