Every day we advise clients across the country, and as a result we see first hand the confusion that exists around Health Insurance. Confusion reigns as consumers are researching the market coming up to renewal date, to make sure you are on the correct plan for your own needs and getting the best value for

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13th February, 2018

Posted In: Health, Insights

Tax is a necessary evil. If we want to live in a country with access to public services, taxation is the system used to pay for these services. We can (and do!) argue and moan about the different levels of tax payable and whether they are levied fairly. But at the end of the day,

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13th February, 2018

Posted In: Advice, Financial, Insights

As we begin a new year, we’ve been thinking about how we can help our clients even more with all of their financial challenges. As part of this thinking we’ve identified a few ways in which we believe we help you manage your money better. So here goes…   Take a strategic view with your

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13th February, 2018

Posted In: Advice, Financial, Insights

We’re at that time of year again when nearly 50% of Health Insurance customers are getting to renew your health insurance in January. Many will simply renew without really thinking about it to any great extent – the Health Insurance providers are delighted when this happens! However more and more people are aware of the

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18th December, 2017

Posted In: Advice, Financial, Health, Insights

Experience in the life assurance industry shows that most life assurance policies are taken out by people in their 30’s, 40’s and to a lesser extent in their 50’s. There is a very low uptake of life assurance by people in their 20’s who think; “I don’t need it now, I’ll buy it when I

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18th December, 2017

Posted In: Advice, Financial, Insights

Are you a cohabiting couple? Get protection advice! According to the Census carried out in 2011, 12% of families in Ireland are now made up of cohabiting couples.  This cohort of our population still faces some unique challenges when it comes to personal finance and inheritance. In this article, we’re going to identify some of the

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18th December, 2017

Posted In: Advice, Financial, Insights

Help your kids be wise with money. Every Irish child has at some stage heard an exasperated parent saying, “You know, money doesn’t grow on trees”. You may have even used it yourself! While it certainly is a valuable lesson for a child, there are many ways we can guide our children to help them

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31st October, 2017

Posted In: Advice, Financial, Insights

Don’t let divorce scupper all your financial plans. A marriage breakup is usually a traumatic time. Very significant life decisions are needed about custody of children and access arrangements, and where each party will live. Often relations between the parties become quite fraught… and then financial arrangements need to be agreed. At this stage, the

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31st October, 2017

Posted In: Advice, Financial, Insights

History teaches us many things. Particularly if we’re looking for a bit of guidance in prudent personal financial management, the last decade offers us a wealth of useful lessons.   So, what’s changed over the last decade? During the last decade we’ve seen a (hopefully) once in a lifetime global economic collapse, the entire banking

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10th August, 2017

Posted In: Advice, Financial, Insights

One of the more important business activities of any company owner or partnership is the whole area of risk management. Yes of course you have the day-to-day challenges of bringing your products to market, selling, building your brand and your presence, and meeting and exceeding the expectations of your customers through your product delivery. Sitting

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10th August, 2017

Posted In: Advice, Financial, Insights

Private health insurance market is the largest non-life market with total premiums of €2.53 billion in 2016 The market continued to recover in 2016 with an increase in the total number of lives insured to 2.15 million at December 2016, an increase of 30,000 on December 2015. Average claims paid per insured person increased by

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10th August, 2017

Posted In: Health, Insights

VHI customers only to use Swiftcare clinics from 1 September Vhi Healthcare has announced that from 1 September 2017, only Vhi customers will be allowed to use their Swiftcare clinics. Vhi Healthcare stated that the decision was made due to the increased usage of the Swiftcare clinics by the general public, which Vhi said has often left

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10th August, 2017

Posted In: Health, Insights

Laya Healthcare price and benefit changes 01.09.2017 Laya Healthcare will carry out premium amendments on 5 plans from 1 September 2017. ConnectCare 100 will reduce from €1,358.63 to €1,298.96 per adult and from €441.59 to €420.85 per child 1 and 2 and from €365.89 to €351.88 per child 3 and 4 Essential Connect Health will

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10th August, 2017

Posted In: Health, Insights

360 Care Select (€1,750 per adult and €447.98 per child) provides cover for a private room in a public hospital and a private room and day case cover in private hospitals and the Beacon hospital with no private hospital excess for the first three private and hi tech hospital claims combined. An excess of €150 

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10th August, 2017

Posted In: Health, Insights

PMI 15 11 will increase from €1,223.09 to €1,280.01 per adult from 1 September 2017. Young adult rates will also change on this date. PMI 12 11, PMI 15 11 and PMI 19 11 will gain enhanced Swiftcare benefits from 1 September 2017.  These benefit changes can be viewed here. Vhi Swiftcare benefits.xlsx All new and

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10th August, 2017

Posted In: Health, Insights

Vhi will change the prices on PMI 18 11 from 22 August 2017. The adult premium will increase from €1,250.22 to €1,263.27 and children 1-3 prices will decrease from €347.96 to €344.48. Young adult rates will also increase.   Vhi will also add and enhance benefits on PMI 38 14 from 22 August 2017. Home

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10th August, 2017

Posted In: Health, Insights

4D Health 1 (€1045.40 per adult, €276.40 per child) provides cover for a semi-private room in private hospitals with a €200 inpatient excess per claim and a €2,000 co-payment on certain orthopaedic procedures. It also provides cover for a semi-private room in the Beacon Hospital with a €200 inpatient excess per claim. Day Case cover

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10th August, 2017

Posted In: Health, Insights

Laya Healthcare will carry out premium reductions on 3 schemes from 1 August. Control 150 Create will reduce from €1,393.14 to €1,346.73 per adult and from €322.10 to €312.72 per child. SimplyHealth Excess will reduce from €1,457.56 to €1,374.68 per adult and from €393.79 to €374.10 per child 1 and 2 and from €352.34 to

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10th August, 2017

Posted In: Health, Insights

Vhi Healthcare will make the following benefit changes to the listed plans on 1 August 2017: New Vhi  Swiftcare Benefits will be added to 9 plans: One Plan Access One Plan Access Plus One Plan 150 One Plan 250 One Plan 500 Company Plan Extra Select PMI 29 12 PMI 37 13 PMI 44 16

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10th August, 2017

Posted In: Health, Insights

Vhi will begin a half price kids offer from 1 August 2017 on all One Plans and Teachers Plan Select and Nurses Plan Select plans. PMI 10 11 and PMI 29 12  will also change in price. Premiums can be viewed here. 01.08.2017 Vhi Pricing Template.xlsx The above information was sourced with the permission of the

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10th August, 2017

Posted In: Health, Insights

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What Our Clients Say

Just want to say thank you for all your help and advice and for being so patient with us. We are so delighted with our new home. We couldn’t have done it without you. Thank you and God bless.

Mae & Ramir

Many thanks for all your assistance in dealing with my claim under the Income Protection Scheme for period Jan 16 to Nov 16. For your efficiency and keeping in touch with me throughout and for all your work with the insurance company.

Rosaleen, Co. Laois

Many thanks for all your help and assistance in switching our health insurance. We were anxious about switching but you made the whole thing so easy and saved us a fortune as well. We can now afford a family holiday as a result.

Eamonn and Jackie, Co Galway

Lyons Financial Services arranged our Mortgage, Income Protection and Health Insurance and saved us so much time and money. They are so nice and efficient; we will always deal with them in the future.

Angela & Peter, Tuam, Co. Galway

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