How to make a claim 

Simply download our Laya App or submit a claim through your Member Area. You can now submit your claims for everyday medical expenses through the app or online at any point during the year - 24 hours a day, 7 days a week.  It is really easy to use.  It works by allowing the main member on your policy to take a photo of your receipt using a phone and submitting it through the App. 

Things like GP visits, alternative therapies, physiotherapy and more.

Follow these simple steps to make a claim using the Member App or online through Member Area.

1. Download the Laya App or go online and claim through Member Area.
2. Log in using your Member Area log in details. New to Member Area? Register here
3. Tap "Submit a Claim"
4. Take a photo of your receipt or else choose a photo from your gallery and click "next"
5. Fill in a few details about what the receipt is for and submit your claim.
6. You will be notifed when your claim has been processed.

We will only pay fees and charges for treatment, services and facilities that are reasonable and customary and in any event only up to the limits shown in the Benefit Table. By reasonable and customary we mean that what you are charged for and how much you are charged is not more than what the majority of our other members of the schemes are charged in Ireland for similar treatment services or facilities. Should you wish to find out the reasonable and customary amount for a service, please contact us and we will be happy to advise you.

We can also arrange to make payment directly into your bank account. Simply update your bank details on the Laya App or on your personalised Member Area. If you prefer to submit your claims by post, you can find our everyday medical expenses claim form. You can only claim at your renewal if you choose to claim by post.

The majority of these claims are settled directly between us and the hospital so you don't usually need to submit an In-patient claim form. However we have outlined some useful information below should you need it:

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 021 202 2000 to check your cover.

Step 3. If you then need to go into hospital, please have your membership number with you - this can be found on your digital membership card on the Laya App. 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.

Log in to your Member Area and click on "Check cover".

• All outpatient receipts (e.g. doctor, physio etc.) are assessed in date order received and treatment date, as per your laya healthcare scheme rules and table of benefits.
• You should send your claims to us as soon as possible through the Laya App or using an out-patient claim form. We will not pay for any benefits unless you submit your receipts to us within twelve months from the end of your policy year. If your receipts are not received within this timeframe, your benefits will not be paid.
• If you have already registered for your personalised Member Area, you can use the same log in details for your Laya App too. You can also claim online through Member Area or your Laya App.

If your scheme has an excess, this will be applied to your claim. The amount of the excess deducted will depend on your scheme. You can log in to your Member Area or your Laya App to check if an excess applies to your scheme. While there, you can also make a claim online. 

Tax relief may also be available for medical expenses. You can claim this directly from the Office of the Revenue Commissioners under health expenses. Check out our handy guide on how to claim.