Dermot Goode

They're paying €390 a month currently.

They have renewal date of the 31st of July.

They're on PM 3814.

That's for themselves, so one of the adults, because that's what the previous employer paid, but it's far too expensive and unnecessary.

So what should they do and where should they go?

Is that insurance policy, PM 3814?

This listener is 60 and can now afford health insurance for the first time.

Is it too late?

And if not, how do I go about it?

So, sorry, just that plan that was, you mentioned it was €1,600, you've got to add on 52% onto that?

Good idea.

Family of four next.

The company has stopped covering the kids because they're adults and they've completed their education.

The cover is excellent, including a temporary upgrade option for certain procedures.

But what plan would be good for the adult children living at home?

Strategic about it, but it is going to cost them.

You know, there's no way to avoid that.

My wife and I, says this listener, have been on Essential Health 300 with Leah for the past five years.

Each year on renewal, they tell us it is one of their better value plans and not to change.

We are in our 60s.