Laya health insurance
laya healthcare is an intermediary. Its health insurance is underwritten by AXA Insurance dac.
Facts from laya healthcare's own website, checked on 10 November 2026. We do not sell insurance, and laya healthcare does not pay us.
Quick facts
- Health insurance, speak with the team
- 021 202 2000
- Buy online
- Yes
- Underwriter
- AXA Insurance dac
- Central Bank reference
- C12679
- Company page
- laya healthcare
Check each number on laya healthcare's website or your policy documents before you call.
Laya healthcare sells health insurance that AXA Insurance dac underwrites. Its plans come in ranges such as Access, Assure and Advantage, each with its own hospital cover and excess.
What laya healthcare says about its health insurance
- AccessHealthPrivate hospital excess €275 per claim; cover in private and high-tech hospitals
- AccessCarePrivate hospital excess €200 per claim; cover in private and high-tech hospitals
- Assure ProtectSemi-private room in public hospitals; outpatient benefit limit of up to €6,500
- Everyday Health PlusFor everyday healthcare expenses
- Advantage 375 and Advantage 500
- Care Select
- AccessHealth and AccessCare include full hospital cover, unlimited GP Live consultations, a 24/7 Nurseline and access to laya Health & Wellbeing Clinics.
- Assure Protect includes unlimited online GP consultations and HeartBeat cardiac screening.
- 24/7 Mental Wellbeing Support is offered on the Access plans.
- Members can manage their cover online in the Member Area and the Laya App.
Discounts laya healthcare lists
- 10% new customer discount on AccessHealth and AccessCare, bought online or offline.
Who can get cover
- Only the main member can make changes to the policy at renewal.
Read the full terms: Switching questions, Terms of use.
What laya healthcare says about waiting periods, the age loading and switching
Irish health insurance law covers each of these points. The words below are laya healthcare's own, from its website.
- Waiting periods
- “When taking out health insurance for the first time, or if it has been 13 weeks since you last held private health insurance with an Irish health insurer, then a 5-year waiting period applies for any pre-existing conditions.”
- Lifetime community rating (the age loading)
- “Loadings apply to people aged higher than 34 if they take out inpatient private health insurance for the first time after 30 April 2015.”
- Tax relief
- “You're still eligible for tax relief at 20% of your premium, up to a maximum of €200 per adult and €100 per child each year.”
- Switching insurer
- “If you have held private health insurance within the past 13 weeks and the level of cover was higher or is the same as that of your new policy with us, then you are covered immediately with no waiting periods.”
Other companies that sell health insurance
In A to Z order. It is not a ranking.
- 123.ie
- Aviva Ireland
- Chill Insurance
- Cornmarket
- Irish Life Health health insurance
- Level Health health insurance
- Vhi health insurance
How to pay less on health insurance · All about health insurance
Get a reminder before your renewal date
Renewal is a good time to check your price and your cover. We email you once a year, in the month before your renewal. Nothing else.