Everyday Medical Costs

Your everyday medical expenses are also known as out-patient expenses. These include expenses that you pay yourself on a day-to-day basis, such as GP fees, visits to consultants or fees for physiotherapy. The Health Sense scheme includes cover for these subject to an out-patient excess. If you find you have a lot of everyday medical expenses during the year, we would recommend you view our CompanyCare suite of schemes which offer 50% back on your expenses.

bullet Direct payment centre’s e.g. MRI, CT, DEXA scans
bullet Participating therapists
bullet Well woman centres
bullet Appliance List
Treatment The amount you can claim
Speech and language therapy (on GP or Consultants referral) Up to €20 per visit for 8 visits per year
Reflexology (including baby reflexology), physical therapy, orthoptics Up to €20 per visit for 8 visits per therapy
Occupational assessments (hearing tests and optician visits) €60 per year
Radiologist fees for Consultants in the full cover scheme Full refund
Pathologist fees Up to €20 for each referral
Radiology and Pathology Full refund for charges by participating hospitals and Laya Healthcare approved diagnostic centres
Hospital casualty charge Up to €20 per visit
Physiotherapy Up to €20 per consultation up to a maximum of 25 visits per year
General Practitioner Up to €20 per consultation
Approved complementary therapies – acupuncture, homeopathy, chiropractic, and osteopathy Up to €20 per consultation up to 8 visits per therapy
Occupational therapy Up to €20 per visit for 5 visits per year
Dietician, chiropody/podiatry Up to €20 per visit for 5 visits per therapy
Certain medical and surgical appliances Full or partial refund for appliances on the Laya Healthcare approved list (please ask us for details)
Consultant fees (excluding maternity) Up to €51 per consultation
Consultant fees (for maternity) Up to €400 per pregnancy
Home nursing following in-patient treatment for a person aged 18 years or over (on Consultant referral) Up to €40 per day for up to 40 days per year
Women’s cancer screening (at approved centres) Up to €30 per year
Blood tests for the purpose of prostate cancer screening (at approved centres) Up to €20 per year
Dental visit Up to €25 per year
Emergency dental treatment for, and which immediately follows (i.e. within five days), a dental injury caused by an accidental external impact Up to €470 for restorative treatment provided by a dentist
Adult counselling (over 18) by a clinical psychologist Up to €20 per visit for up to 8 visits per year

An excess applies to any out-patient claim on the Health Sense scheme, this means for example the first €220 for an individual policy or the first €440 for a family policy on our Health Sense scheme must be covered by the member themselves. Any expenses in excess of these can be submitted for refund

Laya Healthcare annual out-patient excess on each scheme Health Sense
Yearly excess per member €220
Yearly excess per member with dependants €440

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