While I have overall responsibility for the VHI, the VHI is a commercial company operating in a competitive market. The VHI is free under its governing legislation to design its own health insurance schemes and to enter into agreements with health service providers. I have no role to play in the day to day operations of the VHI or of any private health insurance company and the issue raised by the Deputy appears to be a private contractual matter between the customer and his insurer. If the individual in question is not satisfied with the decisions made in this case, they may contact the industry regulator, the Health Insurance Authority (www.hia.ie— Canal House, Canal Road, Dublin 6, Lo-Call 1850 929 166).