Total Health Cover Dermot Goode, The Man Who Changed How Ireland Buys Health Insurance
Dermot Goode revolutionized Irish health insurance through fee-based advisory services that prioritize consumer savings. His consultancy demonstrates how families can substantially reduce premiums without sacrificing essential coverage.
Dermot Goode revolutionized Irish health insurance through fee-based advisory services that prioritize consumer savings. His consultancy demonstrates how families can substantially reduce premiums without sacrificing essential coverage.
Overview
Goode established Total Health Cover in 2014 after decades working within VHI and BUPA. By adopting a client-first model rather than insurer-aligned commissions, he fundamentally altered market dynamics, particularly during periods of premium escalation.
Key Approach
His consultations (starting at €150) provide personalized recommendations considering budget, family requirements, and life circumstances. Coverage suggestions vary strategically—older couples receive guidance emphasizing cardiac and orthopedic protections, while parents learn about outpatient coverage importance.
Career Timeline
- Experience: 35+ years in Irish healthcare and insurance
- Former Roles: VHI, BUPA, Cornmarket, Irish Pensions Trust, Mercer
- Founded: Total Health Cover (August 2014)
- Current Position: Senior Consultant, Lockton Insurance Brokers (Ireland) Ltd
Business Expansion
Lockton acquired Total Health Cover in 2022, preserving Goode’s foundational principles while expanding into employee wellness initiatives, dental coverage, and vision care services.
Media Influence
Goode serves as Ireland’s health insurance authority figure, comparable to UK financial commentator Martin Lewis. RTÉ and The Irish Times regularly feature his perspectives during annual premium discussions.
Specialized Support
He provides customized reviews for emigrants returning to Ireland—a typically underserved demographic facing coverage gaps and higher costs.
Legacy Impact
His work created significant cultural shifts: families now actively challenge annual increases rather than accepting them passively, and corporations increasingly demand employee coverage value, reflecting broader consumer empowerment.
