Terms of Business/Terms & Conditions

Terms of Business

Who we are?

Laya Healthcare Limited is a private company registered in Ireland under company number 242048. Laya healthcare and laya life are trading names of Laya Healthcare Limited. Our address is Eastgate Road, Eastgate Business Park, Little Island, Co. Cork.

Laya Healthcare Limited is a member of the Avondhu Ltd. group of companies.

Laya Healthcare Limited, trading as laya healthcare operates as a tied agent in respect of Health Insurance for Elips Insurance Ltd. Laya Healthcare Limited, trading as laya life operates as a tied agent in respect of Life Insurance for iptiQ Life SA. Laya Healthcare Limited receives payment from Elips Insurance Limited, iptiQ Life SA and Ace European Group Limited in respect of all business generated and details of this agreement are available on request.

Data Protection

The information that you provide Laya Healthcare Limited will be held in accordance with the Data Protection Acts 1988 and 2003. We will use the information you have provided for underwriting, claims’ handling and fraud prevention purposes. We may use this information to keep you informed of products that we offer from time to time. When you request a quote from us, you may receive a phone call or text message and/or email in relation to that quote. If you would prefer not to receive such communications, please let us know.

Who regulates us?

Laya Healthcare Limited is authorised by the Central Bank of Ireland;

Laya Healthcare Limited is subject to the Consumer Protection Code 2012 and the Minimum Competency Code 2011 which offers protection to the consumers. These codes can be found at www.centralbank.ie.

Laya Healthcare Limited is registered as an Insurance Intermediary under the European Communities (Insurance Mediation) Regulations, 2005.

Laya Healthcare Limited subscribe to the Investment Compensation Company Limited. The Investment Compensation Company Limited provides adequate funds out of which eligible investors of failed investment firms are compensated.

Conflicts of interest

It is our policy to maintain appropriate administrative structures to ensure that the potential for any conflict of interest between us is avoided as far as possible. We will try to avoid conflicts of interest, and we shall advise you if we feel a conflict exists. If you feel that your interests have not been fairly protected please contact us to give us the opportunity to resolve any issues you have.

What happens if I do not pay the premium?

If you miss any payment that is properly due to us your policy may be cancelled. Please refer to your terms and conditions for further details. If necessary, we will use our legal rights to claim any payments you owe us for services that we have provided.

How to complain?

If you are unhappy in anyway with the service provided to you. Please contact our team directly to see if we can resolve any concerns you may have. If you are unhappy with our response you can address your concerns in writing to The Head of Customer Service at Laya Healthcare Limited, Eastgate Road, Eastgate Business Park, Little Island, Co. Cork.

Terms and Conditions

Laya healthcare has taken great care in the development and presentation of this website and the material present on it. However, there may be inadvertent and occasional errors for which we apologise.

To the maximum extent permitted by law, Laya healthcare disclaims all warranties, express or implied, as to the accuracy of the information contained in any of the material on this website.

Laya healthcare reserves the right to close any or all of the site at any time and to amend or correct any site content, with or without prior notice.

Laya healthcare shall not be liable to any person or persons for any loss or damage which may arise in any way from any action, decision, omission or communication connected with the site or any of the information contained in any of the material on the site.

Laya healthcare can take no responsibility for any material placed on or linked to the site by any person or persons without authorisation.

Material on this website is directed primarily at viewers in the Republic of Ireland. Laya healthcare make no representations with regard to any of the material in relation to other states. Those accessing this website from locations outside the Republic of Ireland are responsible for compliance with local laws, to the extent that local laws are applicable.

This site will from time to time incorporate links (Internet hypertext links), leading to websites which are not under the control of laya healthcare. Laya healthcare will accept no responsibility or liability in respect of the material on any website that is not under the control of laya healthcare.

These provisions (terms, conditions, disclaimers and exclusions) shall be construed in accordance with the laws of the Republic of Ireland. If any of these provisions are deemed or found to be unlawful, void or for any reason unenforceable then the provision or provisions so found shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.


This website is protected by copyright. It is published by laya healthcare and may not be reproduced other than when downloaded and viewed on a single computer for private use only. It is not to be otherwise reproduced or transmitted or made available on a network without the prior written consent of laya healthcare. All other rights reserved.


Our primary objective is to provide a first class service to our members at all times. However, if you are in anyway dissatisfied please phone, e mail or write to;

The Customer Service Manager
Laya Healthcare
Eastgate Road
Eastgate Business Park
Little Island
Co Cork
Telephone: 1890 700 890

Laya Healthcare takes part in the insurance ombudsman scheme. In the event of your dissatisfaction continuing you have direct recourse to the

Office of the Insurance Ombudsman.
Financial Services Ombudsman
3rd Floor, Lincoln House
Lincoln Place
Dublin 2
Telephone: 1890 88 20 90
Fax: 01 6620890
Email: enquires@financialombudsman.ie or visit www.financialombudsman.ie