Our Terms of Business/Terms of use

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, T45 E181. You can contact us on 021 202 2000.

Laya Healthcare Limited, trading as laya healthcare, operates as an agent in respect of Health Insurance for AXA Insurance dac. Laya Healthcare Limited, trading as laya life, operates as a tied agent in respect of Life Insurance for iptiQ Life SA (incorporated in Luxembourg). Laya Healthcare Limited acts as an intermediary for travel insurance products underwritten by AIG Europe S.A (incorporated in Luxembourg).

Laya Healthcare Limited receive commission from Elips Insurance Limited for the sale of policies which is a percentage (1.6%) of the total annual premium, net of stamp duty and risk equalisation credits, at the point of sale and at each renewal.

From time to time we need to share your personal information with our providers and partners to ensure that laya healthcare continues to provide you with access to great quality healthcare and benefits. We may also be obligated to share personal information for legal and regulatory purposes. Rest assured, laya healthcare is committed to protecting your privacy and we take great care in handling your personal information.

“Personal Information” is the information we hold in relation to you and other dependents on your policy – for example, family members, spouses or partners. You can only share a dependent’s information with us with their full permission (unless agreed otherwise with laya healthcare). You must also inform the individual about the content of this notice and laya healthcare’s Privacy Policy.

Personal Information collected may include:
Contact information, financial information and account details, sensitive information about health or medical conditions (collected with your consent where required by applicable law), as well as other Personal Information provided by you or that we obtain in connection with our relationship with you.

Personal Information may be used for the following purposes:

• Administration, e.g. communications, claims processing and payment
• Assessments and decisions about the provision and terms of insurance and the settlement of claims
• Assistance and advice on medical and travel matters
• Management of our business operations and IT infrastructure
• Prevention, detection and investigation of crime, e.g. fraud and money laundering
• Establishment and defence of legal rights
• Legal and regulatory compliance (including compliance with laws and regulations outside Ireland)
• Monitoring and recording of telephone calls for quality, training and security purposes

You can opt out of marketing and cross-sell communications from us at any time through your Member Area or by calling 021 202 2000. Even if you opt out, we may still send you important service messages relating to your cover, benefits, or policy administration.

Sharing of Personal Information
For the above purposes, Personal Information may be shared with our group companies and third parties (such as insurance distribution parties, insurers and reinsurers, healthcare professionals, other service providers). Personal Information (including details of injuries) may be recorded on claims registers shared with other insurers.

International transfer
In the event that you or one of your policy dependents requires treatment overseas, Personal Information may be transferred to parties located in other countries. When making these transfers, we will take steps to ensure that your Personal Information is protected and transferred in accordance with data protection law. Further information about international transfers is set out in our Privacy Policy.

Security of Personal Information
Appropriate technical and physical security measures are used to keep your Personal Information safe and secure. When we provide Personal Information to a third party or engage a third party to collect Personal Information on our behalf, the third party will be selected carefully and required to use appropriate security measures.

Your rights
You have a number of rights under data protection law in connection with our use of your Personal Information. These rights may only apply in certain circumstances and are subject to certain exemptions. Rights may include:
• right to access Personal Information
• right to request corrections
• right to erase data
• right to restrict processing
• right to transfer data to another organisation
• right to object to processing
• right to request human review of automated decisions
• right to withdraw consent
• right to complain to the data protection regulator

More information can be found in our full Privacy Policy at:
https://www.layahealthcare.ie/privacypolicy/
Or by writing to: David Carmody, Privacy Lead, Laya healthcare, Eastgate Road, Eastgate Business Park, Little Island, Co Cork, T45 E181
Or contacting us at: layahealthcare.ie/contactus/#/

Insurance is provided by AXA Insurance dac trading as laya healthcare. AXA’s Data Protection Notice is available at: www.axa.ie/data-protection/laya. Both Laya Healthcare Limited and AXA Insurance dac act as data controllers for the purposes of the Data Protection Acts.

 

Laya healthcare subscriptions are payable on an annual basis or at the intervals set out in your policy documentation. Payments made by instalments under the terms of the laya healthcare credit agreement may be subject to a credit charge. If they are, this will be stated on your policy documentation.

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 2017, which provide consumer protections. These codes can be found at www.centralbank.ie.

Laya Healthcare Limited is registered as an insurance intermediary under the European Union (Insurance Distribution) Regulations 2018.

Laya Healthcare Limited subscribes to the Investment Compensation Company Limited. This provides compensation funds for eligible investors of failed investment firms.

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 allow us the opportunity to resolve any issues.

If you miss any payment that is properly due, 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 for services already provided.

If you are unhappy with the service provided, please contact our team directly so we can resolve your concerns.

If you remain unhappy, you can address your concerns in writing to:
The Head of Customer Service
Laya Healthcare Limited
Eastgate Road, Eastgate Business Park
Little Island, Co. Cork, T45 E181

021 202 2000

Laya Healthcare Limited takes part in the insurance ombudsman scheme. If dissatisfaction continues, you have direct recourse to:

Financial Services and Pensions Ombudsman
Lincoln House, Lincoln Place, Dublin 2, D02 VH29
Tel: (01) 567 7000
Email: info@fspo.ie
Website: www.fspo.ie

Laya Healthcare Limited. Directors: D.O. O’Connor (Managing Director), M. Condon, H. Moore, M. Vardy (United Kingdom), R. Whelan.
Registered Office: Eastgate Road, Eastgate Business Park, Little Island, Co. Cork T45 E181.
Registered in Ireland No 242048. Laya Healthcare Limited is a private company limited by shares.
Insurance provided by AXA Insurance dac trading as laya healthcare.
Laya Healthcare Limited, trading as laya healthcare and laya life, is regulated by the Central Bank of Ireland.
LAYA-TOB-019-0126

You are obliged to respond fully and truthfully to any questions posed by laya healthcare. Failure to do so could constitute misrepresentation and may result in any of the following:

• The healthcare contract being rendered void
• Non-payment of a claim
• Payment of a reduced claim amount