Your Switching Questions, Answered

Absolutely. It’s a quick and simple process that can be done online or over the phone with our dedicated switching team.

Simply choose your health insurance scheme with laya healthcare and be sure to let your existing health insurer know. You can make the switch up to 14 days after your renewal date.

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 have a lower level of cover and are gaining benefits in making the switch, you may have an upgrade rule and waiting periods may apply.

For any benefits you are gaining, for the first two years we would match your previous level of cover. The upgrade rule would only affect existing conditions, and would apply if you increased your cover.

We recognise all of the time you have spent with your previous health insurer.

It means your cover continues seamlessly when you switch from one healthcare insurance provider to another. No waiting, no gaps, no hiccups.

The only condition is that you’ve completed your waiting period with your previous provider and that you have not been without health insurance for more than 13 weeks.

If you still have some time left to go, no problem. We won’t start you all over again. We’ll take into account the waiting period you already served.

You can easily compare your current health insurance scheme with laya healthcare policies using our compare tool. The tool will either suggest similar schemes for you, or you can compare specific schemes.

Our dedicated switching team are also here to help and can chat you through your cover and help you to make the switch. Call 021 202 2000 or chat to our team on webchat.

The definition of a pre-existing condition is an ailment, illness or condition where the signs or symptoms existed at any time in the period of 6 months prior to the insurance commencing.

That’s why insurers have a waiting period, during which you can enjoy all the benefits of your cover, but not for that specific illness. If you’ve served your waiting periods with another provider, we’ll recognise all of that time. If you still have some time left to go, no problem. We won’t start you all over again. We’ll take into account the waiting periods you already served.

Not sure whether this applies to you? No problem. Our dedicated switching team are here to chat. Call 021 202 2000 or chat on webchat.

Yes, you’ll need to let your existing health insurer know that you won’t be renewing your cover for another year. You can let them know that you’re switching up to 14 days after your renewal date.

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 have a lower level of cover and are gaining benefits when you make the switch, you may have an upgrade rule.

For any benefits you are gaining, for the first two years we would match your previous level of cover. The upgrade rule would only affect existing conditions and would apply if you increased your cover.

The only condition is that you’ve completed your waiting period with your previous provider, if waiting periods applied to you. If you still have some time left to go, no problem. We won’t start you all over again. We’ll take into account the waiting periods you already served.

You can find out more about waiting periods here, or if you have any questions at all, chat to our dedicated switching team on 021 202 2000 or via webchat.

Members who switch to laya healthcare unlock a world of benefits. Things like:

• Access to urgent care treatment within an hour of arrival in Laya Health and Wellbeing Clinics for everyone aged 12months+
• Unlimited access to GP video consultations and prescriptions, at no cost, until the end of 2023
• Unlimited access to Laya Healthcare Concierge for members aged 18+ until the end of 2023 – here to answer any health-related questions you might have, and to help you navigate the complicated healthcare system
• 24/7 confidential phone access to counsellors for members aged 16+. Speak about things like your mental health, financial and legal issues, and work-related stress and anxiety. 24 hours a day, 365 days a year.
• Heart screening for every laya healthcare member aged 12+, once every two years
• Access for members aged 18+ to a health check with a qualified Healthcoach, as well as a personalised fitness, nutrition and wellbeing programme.

Loadings apply to people aged higher than 34 if they take out inpatient private health insurance for the first time after 30 April 2015.

As long as you have had continuous cover from at least the 30th of April 2015 (when the legislation was introduced) you will have no lifetime community ratings added to your policy when you make the switch.

Not sure if this applies to you? No problem. Our dedicated switching team are here to help. Call 021 202 2000 or chat with us on webchat.