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Waiting periods: 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. If you are still serving your 5 year *pre-existing waiting period (for ailments, illnesses or conditions where the signs or symptoms existed at any time in the period of 6 months prior to the insurance commencing) you may serve the balance with laya healthcare. Should you require additional cover or benefits a 2 year waiting period must be served before you can avail of the higher level of cover for any disease, illness or injury of which the symptoms began before you changed your level of cover. 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, the five year *pre-existing waiting period for illnesses applies. 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 a 52 week maternity waiting period also applies. Find out more about our waiting periods here. . Find out more.

Disclaimer: Please note, a credit charge applies if paying by instalments. Full cover for screening is at our approved centres. Please refer to the scheme Rules and Table of Benefits of your chosen scheme for further details. And for further information on all our schemes, benefits and offers you can contact us on our details above.

*Lifetime Community Rating: From the age of 35, you could pay an extra 2% on premiums for every year you go without private hospital insurance. Learn more at www.lcr.ie

Discount explained: A discount amount is only available on policies labelled with the discount badge which includes a % discount and that are purchased online. The discount has already been deducted from the price shown on this quotation if applicable.

On 1st Sep 2015 the benefits on some of the schemes below were changed. Any members who renewed or purchased schemes before Sep 1st 2015 should check their original documentation in the member log in area or call us on 1890 700 890 to clarify their benefits.