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Over half a million people will receive renewal notice for their insurance but with premiums set to increase. How can consumers get their bang for their buck? Bringing us a wealth of advice was Dermot Goode, Health Insurance Ireland.ie.
On this morning's show... Budget 2026 aims to build "a stronger and better economy", according to the government.... but what does it really entail...Frances from FOH will give us the run down We will hear from parents, carers, pensioners and listeners from across the county... Sgt Carol O'Leary has the Garda Slot... Could the right health insurance save you thousands? Health insurance expert Dermot Goode will join us to discuss this... All this and much much more...
Morley's Mouthfuls Traffic was again a big issue this week on Galway Talks, but it was traffic safety, not congestion, that dominated. I went out to Kinvara early on this week and spoke to some of the locals about some of the traffic safety measures they want to see in the village. They want urgently to have two pedestrian crossings, as well as, a number of other knock-on safety measures. It follows two accidents in the village over recent weeks, and they're calling on Galway County Council, TII, and all the relevant stakeholders to get safety measures in place as a matter of urgency. The Global Sumud Flotilla was boarded by Israeli forces this week as they tried to deliver humanitarian aid to Gaza. A number of the people who are on the boats, including Salthill poet Sarah Clancy, have been taken as captives and will be deported to their countries in due course, according to Israeli forces. Now, they maintain that they are trying to deliver humanitarian aid and are allowed to so by international law, making what Israel did a war crime. Israel says these people are going into their waters and that they need to make sure that there is no weaponry in this aid before it makes its way on to Gaza. There is increasing pressure on governments across the world from citizens to put pressure to bear on Israel to end the genocide. Insurance was again a topic of discussion this week. There have been recent hikes by three of the main four providera in the last week, seeing some premiums increase by as much as €600. This follows other increases throughout the course of this year by the majority of the four players in the market, with Level Health increasing theirs back in April. We had Dermot Goode, of Health Insurance Ireland on the show. He explained some of the reasons given for this increase in health insurance, including more people going to seek assistance in private health hospitals. He also gave some advice to our listeners as to what is best practice to find the best premium out there and the best deal for a given individual and family. He set out the pros and cons to having and not having private health insurance in this country. In a week where local Fianna Fáil Deputy Albert Dolan has brought out a tracker to allow the public to see the breakdown of tenders in the public procurement process, wastage of monies at a national level was very much to the fore again. It centered in and around the €100,000 tender for the bike shelter at the National Maternity Hospital. Now, Sinn Féin have called for this to be scrapped outright, while the government parties have said there is a tender process and to wait and see if someone can bring in a tender at an affordable rate. We discussed this on the program earlier on this week with Fianna Fáil Deputy John Connolly and Sinn Féin TD Mairéad Farrell. School transport came to the fore yet again this week after nearly a month since schools returned for the new academic year. We spoke to the grandmother of two children with language disorders who had to move to Loughrea to avail of a nearby school at the loss of the services they badly needed in Ballinasloe. We discussed this on the program with the grandmother of the children in question, Josephine Clarke. She was joined on the program by local Fianna Fáil representative in the Loughrea area, Michael Regan. She is calling for the Department of Education and the School Transport Office to get their school bus route back for her grandchildren so that they can fulfill their education to the full potential. Staying on the topic of schools, two schools in East Galway are still waiting on the go-ahead for much-needed expansions. For over 20 years, that's been the case for Carrabane National School in the Loughrea hinterland, but also for Scoil an Chroí Naofa in the Ballinasloe area, but that particular projects stretches out to nearly 30 years. We discussed what can be done to expedite the process and give final approval to both projects with Sinn Féin Deputy Clare Kerrane and Fianna Fáil Senator Shane Curley.
Plans are changing and rates are rising, so Dermot Goode of healthinsuranceireland.ie tells PJ the best way to optimize your cover for your age, your family and your wallet Hosted on Acast. See acast.com/privacy for more information.
VHI, Laya and Irish Life Health (ILH) recently announced further rate increases from the 1st of October. For VHI and ILH, the average increase will be 3% whereas the Laya average increase will be 4.5%. To discuss the increases and how to get the best deal was Dermot Goode health insurance expert with Healthinsuranceireland.ie.
Health insurance continues to be an issue for many people, but what are the latest increases set to look like, and what can you do to keep costs down?Kieran is joined by Health Insurance Expert with Health Insurance.ie, Dermot Goode, and Health Economist at UCC, Brian Turner, to discuss.
Dermot Goode of Health Insurance Ireland.ie
Sláintecare reforms being introduced into the health system are playing a major role in pushing up the cost of health insurance. We discuss all with Dermot Goode from Health Insurance Ireland.
Sláintecare reforms being introduced into the health system are playing a major role in pushing up the cost of health insurance. We discuss all with Dermot Goode from Health Insurance Ireland.
VHI have announced an average price release of 3% from 1st October 2025. The increase follows as the cost of delivering healthcare also continues to rise. What does this mean for customers and how can they shop around for the best deal. Speaking to Pat this morning was Dermot Goode from Health Insurance Ireland.
Irish Life Health will hike the cost of its health insurance plans by an average of 3% from October - its the third price rise this year. To discuss this Brian Lee, CEO of the Health Insurance Authority and Dermot Goode, Health Insurance Expert with Health Insurance Ireland.
Irish Life Health and Laya Healthcare have both announced insurance price hikes on plans in the space of a week It comes as the trend we have seen in increasing the cost of health insurance seen in the past two years looks set to continue into the latter half of this year Joining me now for more on this is Dermot Goode, Health Insurance Ireland.
Total Health Cover's Dermot Goode joins Joe to talk about a major insurer retiring twenty-two plans and how this could affect customers. Hosted on Acast. See acast.com/privacy for more information.
Dermot Goode, from Total Health Cover.ie.
VHI will increase the cost of seven plans. This occurs just weeks after other price surges. However, other health insurers, like Laya and Irish Life Health, are launching new cheaper plans. Dermot Goode, of Total Health Cover, joined Pat Kenny to discuss.
With health insurance premiums consistently rising, Dermot Goode, from totalhealthcover.ie, had lots of advice for hard pressed consumers. Irish Times journalist Sylvia Thompson relayed her experience of dealing with her late mother's possessions after she passed away. Dr Sabina Brennan's new book "Still Me" is essential reading for anyone but especially those caring for someone with dementia. While David Keane is rightly delighted with his UK Great Taste awards for his Connemara Oysters! Hosted on Acast. See acast.com/privacy for more information.
Sinead's guest this week is Dermot Goode. Dermot is the leading expert on healthcare benefits in Ireland. He has over 35 years experience in healthcare having worked with VHI, BUPA Ireland, Cornmarket Healthcare Division and healthcare consultancy roles with Irish Pensions Trust and Mercer Ltd. He established PHI Consulting Ltd (trading as Total Health Cover) in 2009 to provide advice on all aspects of healthcare cover in Ireland and his company was acquired by Lockton Insurance Brokers Ireland (LIBI) in February 2022. He is a Qualified Financial Advisor (QFA) and also holds the APA qualification for general personal lines insurances. Sinead Ryan is a print and broadcast journalist for more than 20 years writing on consumer, property and personal finance matters for the Irish Independent. Sinead presents ‘The Home Show' on Newstalk on Saturday mornings. Originally trained as a financial advisor she worked in the insurance sector for many years. In 2009 Sinead set up a not-for-profit organisation teaching teenagers about budgeting and personal finance. Her book, co-written with Frank Conway, ‘Cents and Sensibility', was published in 2010. Sinead was appointed to the Pensions Council, a Government Advisory Board in January 2015 and to the Probate & Conveyancing Expert Group of the Department of Housing in 2023
Irish people are bracing themselves for more health insurance hikes in the coming weeks and months.Irish Life Health has its fourth hike of the year on the way, while Laya and VHI are also altering their plans, resulting in more expense for the customer.Dermot Goode is a Health Insurance Expert, and joins Kieran to discuss and give advice.
Dermot Goode, Health Insurance Expert
The average cost for health insurance has gone up €480 in the past two years.Insurers are saying it's down to an increase in medical claims, the higher costs of medicine and a big increase in people having procedures done in private hospitals.So, is there anything we can actually do about it?Andrea is joined by Dermot Goode, Health Insurance expert with Totalhealthcover.ie to discuss.
Dermot Goode from totalhealthcover.ie chats to JP about health cover 'shrinkflation' Hosted on Acast. See acast.com/privacy for more information.
PJ hears that prices are going up but the cover you get is going down from Dermot Goode of totalhealthcover.ie Hosted on Acast. See acast.com/privacy for more information.
Gillian speaks with Dermot Goode of totalhealthcover.ie, to discuss the predictions that Health Insurance prices will continue to rise Hosted on Acast. See acast.com/privacy for more information.
Dermot Goode from Total Health Cover.ie, part of the Locton Group
Health insurers are cutting benefits on plans while also pushing through premium hikes. Dermot Goode of Total Health Cover has advice for consumers.
Dermot Goode of Total Health Cover, part of the Lockton Group, joins The Pat Kenny Show to explain how insurers are hiking premiums while cutting plan benefits — and what consumers need to watch out for.Listen here.
The health insurance market is still growing, according to a new report by the Health Insurance Authority, despite the average annual premium sitting at €1,740 which is a 300 euro increase to the average two years ago.Dermot Goode, of Totalhealthcover.ie, part of the Lockton Group, joins Kieran to discuss why this is the case, and offer some top tips for keeping an eye out for a good deal…
Consumers have been warned to avoid getting caught out by health insurance companies imposing much larger rises in the cost of their cover than the average price quoted. Dermot Goode from Total Health Cover explains more .
Dermot Goode, from Total Health Cover.ie, part of the Locton Group
Jerry spoke to Dermot Goode of TotalHealthCover.ie, a Lockton company, who has advice for people renewing their policies. For further information, you could also go to https://www.hia.ie/
Dermot Goode, from totalhealthcover.ie part of the Locton Group
It's a new year, and that means new rates for insurance companies – with health insurance in particular set to increase.Joining Kieran to discuss and give his top tips on keeping your premiums as low as possible is Dermot Goode from totalhealthcover.ie, a part of the Lockton Group.
It is peak renewal period, so health insurance expert Dermot Goode informs us next on what to look out for when renewing your insurance.
Dermot Goode, from totalhealthcover.ie part of the Locton Group
A new health insurer has entered the Irish market and plans to undercut rivals with competitive plans. Level Health launches today and here with all the details is Dermot Goode of Total Health Cover (A Lockton Company).
For this week's Ask the Expert, Andrea is again joined by Dermot Goode, Health Insurance Expert with Totalhealthcover.ie to answer any of your questions!
Dermot Goode, totalhealthcover.ie part of the Locton Group
The Health Insurance Authority (HIA) is determined to get providers to reduce the overwhelming number of plans in the Irish market. There are currently 349 schemes on offer, making it difficult for consumers to compare them. We discuss this with Dermot Goode, Total Health Cover which is a Lockton company.
PJ gets some good advice from Dermot Goode of Total Health Cover Hosted on Acast. See acast.com/privacy for more information.
Health insurance costs have jumped recently for a whole host of reasons. Alongside this, some reports suggest that you may be paying for a plan which is more expensive than you need.As renewal season approaches, Kieran is joined by Dermot Goode, of totalhealthcover ie and the Lockton Group to go through some health insurance tips.
Dermot Goode, totalhealthcover.ie part of the Locton Group
VHI has announced it will increase the price of its health insurance plans for the second time this year. It follows a similar price increase announcement from Laya Healthcare.Dermot Goode, head of the Healthcare Division at Lockton Insurance Brokers, joins The Last Word to explain what's going on in the private health insurance market.Catch the full chat by pressing the 'Play' button on this page!
VHI is the latest health insurer to announce price hikes. Dermot Goode, Head of Healthcare Division at Lockton Insurance Brokers has the latest.
Laya Healthcare announced this week that they're set to hike their premiums by an average of 6.5% from the start of October, and it's expected other insurers might follow suit.In light of this, Andrea is joined by Dermot Goode from TotalHealthCover.ie to answer all of your health insurance questions.
Jerry spoke to Dermot Goode, health insurance expert with https://www.totalhealthcover.ie/
Employers are feeling the financial squeeze of rising health insurance premiums with many seeing the cost of their employer-sponsored schemes soar by up to 20pc in the last 12 months alone. Further increases later in the year cannot be ruled out. However, according to Dermot Goode, Head of Healthcare Division with Lockton Insurance Brokers Ireland (which acquired Total Health Cover), most employers had only budgeted for a 5pc to 8pc rise, leaving them now struggling to find the financial capacity to deal with the escalation in cost. Mr Goode explained, "Some schemes are now costing hundreds of thousands of euros more this year. In one recent case, health insurance inflation pushed up the cost of an employer's scheme by in excess of €200,000. This has created a huge financial dilemma for employers who are keen to continue to offer this benefit to workers but are finding the escalation in costs a huge challenge. Most employers have only budgeted for increases in line with medical inflation, meaning the rises they've been hit with over the last year are up to three times more than they budgeted for. The annual cost of health insurance for workers on employer-sponsored plans has increased by as much as between €200 and €300 per adult over the last year". Lockton report that an estimated 520,000 people have their health insurance paid in full or partially by their employer and that these schemes will have no choice but to go to market to source similar cover that fits within their budget parameters. Mr. Goode advised, "Typically, employers are paying between €1,000 and €1,500 per employee for health insurance, so hikes of up to 20pc will put them under significant financial pressure. Some pay even higher levels of cover for senior management or long-serving employees. It's an employees' market so employers are generally reluctant to cut this benefit - but many are finding that the extent of the price increases are simply impossible to absorb. Employers are therefore now exploring their options to see if they can source similar health insurance for employees - but at more affordable rates. However, switching to a lower-cost alternative plan may not be straightforward. Employers may be constrained by legacy contracts of employment and could meet resistance if there is any reduction in benefits that could adversely impact employees. Expert advice is always recommended to help employers avoid the common pitfalls associated with changing benefits." Mr Goode has set out several possible cost-saving options which employers can explore: Switch certain employees, such as new recruits, to a lower-cost plan. Set a monetary limit on the extent to which health insurance is covered by the employer or consider introducing an allowance model for all new employees, which they can use to select and buy their own health insurance plans. Opt for the most up-to-date corporate plans as this will make it easier to avoid the increases. For those insured on dated corporate schemes, they may be able to secure better overall coverage at a lower cost and sometimes with the same insurer. Get advice on the best value alternatives. Many small- to medium-sized employers are stuck on dated plans and overpay for coverage by thousands. As part of this exercise, you could seek similar options with higher excesses or limited hospital networks. If this doesn't cut costs, consider reducing the elements of cover that are under-utilised. A claims report from the insurer will support this. Check that you are not double-paying for benefits, such as health screening, employee assistance programmes and company doctors - benefits which often are fully or partially included in health insurance plans. Seek maximum discounts from the insurers to see if this delivers the savings. Put defined eligibility rules in place for your scheme and make sure your insurer applies them. Many schemes have no defined rules in place and are paying for additional costs unnecessarily. For exampl...
On this week's Inside Business with Ciarán Hancock we look at Aviva's plan to re-enter the Irish health insurance market and what that might mean for consumers. Will this deliver lower prices for hard pressed Irish consumers? Will it bring additional benefits in coverage? And is worth the hassle to switch for customers of VHI, Laya and Irish Life Health? To get some answers to these questions and more, Ciarán is joined on the podcast by Dermot Goode of Totalcover.ie, a Locktons Company, and an expert on Irish health insurance. Also on the podcast, the Government published its Stability Programme Update. This is an update of budgetary forecasts provided to the European Union. It predicts a surplus for this year of €8.6 billion and a warning that the economy has slowed.Cliff Taylor of The Irish Times has been through the document to break down the vast array of numbers and what they mean. How much of the budget surplus might be used to fund tax cuts or additional spending on key public services, given that €6 billion is earmarked for two sovereign funds?Produced by John Casey with JJ Vernon on sound. Hosted on Acast. See acast.com/privacy for more information.
As the VHI changes things around PJ hears what will happen premiums from Dermot Goode of Total Health Cover Hosted on Acast. See acast.com/privacy for more information.
Dermot Goode, totalhealthcover.ie part of the Locton Group and Charlie Weston, Personal Finance Editor with the Irish Independent
We talk to Dermot Goode of Total Health Cover.