Our Terms of Business/Terms of use

Effective Date 2/11/2023

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, T45 E181.

Laya healthcare is part of the AXA Group, a worldwide leader in insurance and asset management, with 145,000 employees serving 93 million clients in 51 countries.

Laya Healthcare Limited, trading as laya healthcare operates as a tied agent in respect of Health Insurance for Axa Insurance dac. For Health Insurance policies incepted or renewed before 1 January 2025, Laya Healthcare Limited operates as a tied agent for Elips Insurance Limited (incorporated Liechtenstein) 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 (3.1%) of the total annual premium, net of stamp duty and risk equalisation credits, at the point of sale and at each renewal.

Data Protection Information

More details about your rights and how we collect, use and disclose your Personal Information can be found in our full Privacy Policy at www.layahealthcare.ie/privacypolicy/ or you may request a copy by writing to David Carmody, Privacy Lead, Laya Healthcare, Eastgate Road, Eastgate Business Park, Little Island, Co Cork, T45 E181 or by emailing info@layahealthcare.ie.

How we charge?

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.

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 2017 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 Union (Insurance Distribution) Regulations, 2018.
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, T45 E181. You can also reach out to us online here

Laya Healthcare Limited takes part in the insurance ombudsman scheme. In the event of your dissatisfaction continuing you have direct recourse to the Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place Dublin 2, D02 VH29. Tel: (01) 567 7000,  Email: info@fspo.ie and Website: www.fspo.ie

What are my obligations?

You are obliged to respond fully and truthfully to any questions that have been posed by laya healthcare. The failure to respond fully and truthfully could constitute misrepresentation and may result in any of the following consequences: laya’s healthcare contract with you being rendered void; the non-payment of a claim by laya healthcare; or, the payment of a reduced amount sought under a claim.

Further information on Laya Healthcare Limited can be found by visiting our websites: www.layahealthcare.ie 

Terms of use

https://www.layahealthcare.ie/termsofuse/

LAYA-TOB-012-0320