How to Claim

How To Claim For Your Hospital Visit

Step 1. If you are referred by your GP to a Consultant, let them know that you have private health insurance.

Step 2. Once you have the details of the hospital, Consultant and procedure code, please contact one of our customer service advisers on 1890 700 890 to check your cover.

Step 3. If you then need to go into hospital, remember to bring your membership card with you. Please note you will be asked to sign a claim form in hospital.

Step 4. The hospital then sends us the bill and in the majority of cases we settle these bills directly with the hospital. We will then send you a letter which will explain what has been paid on your behalf and to whom.

How To Claim For Your Everyday Medical Costs

It's easy to claim for your everyday medical costs. For your convenience and for prompt payment of your out-patient claim, we can arrange to make payment directly, where possible, into your bank account. Please provide your bank account details on the 'Your Payment Details' section on the claim form. Below are some guidelines to help you make your out-patient claim.


Check that your original out-patient receipts are enclosed (photocopies, cash register receipts etc are not acceptable).
Please ensure that all receipts include the name of the patient, the cost incurred and the date of the visit.
Please note that out-patient receipts will not be returned following assessment.
The Revenue Commissioners will now accept your Statement of Claim (which we will send to you when your claim has been assessed) as evidence of medical expenses incurred.
Claims should be made at renewal date and only for out-patient costs incurred within the previous membership year.
Send your completed claim form to Laya Healthcare, Eastgate Road, Eastgate Business Park, Little Island, Co. Cork.

Please note if your scheme has an annual excess, this excess will be applied to your claim. The amount of the excess deducted will depend on your scheme.

Please contact us if you require further information.

For a full list of out-patient benefits available on your scheme, please click on the relevant link below -


Teacher Suite (Teach Choice, Teach Plus)

Essential Suite (Essential First, Essential Starter, Essential Choice, Essential, Essential Select, Essential Plus Starter, Essential Connect Saver, Essential Connect, Essential Health, Essential Complete, Essential Plus, Essential Gold, Health Smart)

Value Suite (Essential Value 500, Essential Value)

CareManager Suite (EssentialCare, PersonalCare, FamilyCare, Complete Care, Health Smart Family)

Credit Union Suite (Credit Union Starter, Credit Union Family)

HealthManager Suite (HealthManager First, HealthManager Starter, HealthManager, HealthManager Silver, HealthManager Gold)

Total Health Suite (Total Health, Total Health Choice, Total Health Plus, Total Health Select)

Health Sense Suite (Health Sense Connect, Health Sense)

HealthWise Plus Suite (HealthWise Plus)

SimplyHealth Suite (SimplyHealth Starter, SimplyHealth Connect, SimplyHealth)

ConnectCare Suite (ConnectCare)

CompanyHealth Suite (CompanyHealth, CompanyHealth Plus)

CompanyCare Suite (CompanyCare Starter, CompanyCare Choice, CompanyCare, CompanyCare Plus, CompanyCare Premium, CompanyCare Gold)

Tax relief is also available for medical expenses.

Please note all claims are paid in accordance with our scheme rules and table of benefits.