Our Terms of Use

Effective Date Feb 2021

By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. We reserve the right to make changes to this website, these terms, and the other information contained in this website at any time and without notice. These terms and conditions may be revised at any time by updating this posting. When you visit this site again the conditions of use may have changed, and you will be bound by the revised conditions of use.


To the fullest extent permissible pursuant to applicable law, the materials on this website are provided as is and without warranties of any kind, either expressed or implied.  Laya healthcare and its affiliates (collectively, “laya healthcare”) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.  Laya healthcare does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.  Laya healthcare does not warrant or make any representations regarding the use or the results of the use, of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise.  You (and not laya healthcare) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all applicable terms, exclusions and conditions and are provided solely for general informational purposes.  Please refer to the actual policy or the relevant product or services agreement. This website may be linked to other websites which are not maintained by laya healthcare.  Laya healthcare is not responsible for the content of such websites.  The inclusion of any link to such websites does not imply laya healthcare’s approval or endorsement of such sites or the content thereof. 

Limitation of liability

While laya healthcare uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. Laya healthcare makes no warranties or representations as to the accuracy of the content of this website. To the fullest extent permissible under applicable law, neither laya healthcare nor any party involved in creating, producing or delivering the website shall be liable to you in negligence or contract for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if laya healthcare or a laya healthcare authorised representative has been advised of the possibility of such damages. To the fullest extent permissible under applicable law, laya healthcare’s total liability to you for all damages, losses, and causes of action shall not exceed the amount paid by you, if any, for accessing this website. To the fullest extent permissible under applicable law, laya healthcare also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website. If any of these Terms and Conditions (or any terms and conditions relating to a product or service referred to in this Website) should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, and in relation to such state or country only, such terms or condition shall be deleted and severed from the rest of the relevant terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable. Nothing in these terms and conditions shall exclude laya healthcare’s liability for death or personal injury resulting from laya healthcare’s negligence. 

Restrictions on use of materials

This website is owned and operated by laya healthcare. Except as otherwise expressly permitted by laya healthcare, no materials from this website or any website owned, operated, licensed or controlled by laya healthcare may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download material displayed on this website for your use only, provided that laya healthcare also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of this website for public or commercial purposes, including the text, images, audio and video without laya healthcare’s prior written permission. Laya healthcare neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with laya healthcare. 


Unless otherwise expressly set forth herein, laya healthcare makes no representation that materials on this website are appropriate or available for use in any location. These terms of use, its subject matter and its formation, are governed by the law of Ireland (excluding Northern Ireland) and the courts of the Republic of Ireland will have jurisdiction.

Ownership of information

Any information, other than personal data or information, you transmit to laya healthcare via this Website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of laya healthcare. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Laya healthcare is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to laya healthcare via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. 

Trademarks and Copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trademarks or service marks ('Trademarks') of laya healthcare or of third parties and used under license by laya healthcare. However, the display of Trademarks on pages at this Website does not imply that any license has been granted to any third party. All information in this Website is protected under the copyright laws of Republic of Ireland. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by 'uploading' or 'downloading', without the prior written consent of laya healthcare. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website. Any unauthorised downloading, re-transmission, or other copying or modification of Trademarks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action. Images displayed on this website are either the property of, or used with permission by, laya healthcare. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted herein. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. 

Social Media Platforms

You are advised before using third party social sharing buttons that you do so at their own discretion and note that the social media platform may track and save your request to share a web page respectively through your social media platform account.

Internet E-Mail

Any unprotected E-mail communication over the Internet is subject to possible interception or loss and is also subject to possible alteration. Laya healthcare is not responsible for and will not be liable to you or anyone else for any damages resulting from interception, loss or alteration in connection with an E-mail sent by you to laya healthcare or an E-mail sent by laya healthcare to you.  


Your Insurance is provided by Elips Insurance Limited trading as Laya Healthcare. Laya Healthcare Limited, trading as Laya Healthcare and Laya Life, is regulated by the Central Bank of Ireland Your Life Insurance is provided by IptiQ Life SA. Laya Healthcare Limited trading as Laya Life is regulated by the Central Bank of Ireland. Travel insurance provided by AIG Europe S.A 

Software licences

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of Republic of Ireland. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. Laya healthcare does not authorise the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations. 

Update of legal notice and terms of use

This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the Website, ensure that you check this notice.  

Security Statement

We recognise and share the security concerns of visitors to this website. Our Security and Privacy Statement informs website visitors about the security of applying for laya healthcare Insurance cover online. Our security and Privacy Statement can be viewed here https://www.layahealthcare.ie/privacypolicy/

Are my Transactions and Information Secure? 

The laya healthcare website uses a secure server implementing strong Transport Layer Security (TLS) protocol to provide HTTPS encryption for all interactions on our website – whether providing personal or payment information or not. This technology encrypts all information to prevent third parties from reading the information while it is in transit.