Your cover, your call. Let’s make sure it’s working for you

Make sure your cover fits your life, your needs, and your budget - not just the price

Start my cover review Check what’s included in my plan

Everything you need to review your cover with confidence

Understand your plan, explore your options, and make informed decisions that work for you.

Know what you're covered for

Get a clear view of what your plan includes today.

Explore ways to adjust your plan

See where changes could better match your needs and budget.

Understand the impact of changes

Know how adjustments affect both your premium and your costs.

Make the right choice for you

Feel confident your cover supports your health and lifestyle.

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Before you change your cover

Ask yourself one important question:

“What would it cost if you needed care tomorrow?”

Your premium is what you pay each month. But the real cost is what you’d pay if you needed:

  • A consultant appointment
  • A scan
  • A hospital stay

Lowering your premium may increase what you pay when you need care - so it’s important to find the right balance.

What to consider when reviewing your plan

Taking time to review your cover can help ensure it still matches your needs, budget and lifestyle.

Consider what matters most to you and whether your current plan is delivering the right balance of access, benefits and value.

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Healhcare benefits
Hospitals & access

Would you be comfortable with a wider range of hospitals or shared rooms?

Workplace Wellbeing
What you’d pay if you need care

Choosing a higher excess or shortfall can lower monthly costs - but increases out-of-pocket spend later.

Occ Health
The benefits you use

Are you paying for benefits you don’t use - or missing value from ones you already have?

Mental Wellbeing
Who’s on your plan

Are all members on your policy on the most suitable level of cover for their needs?

Top tip.

A quick review today could help you make sure your cover still reflects your circumstances.

Understanding how to adjust your costs 

 

Excess: Lower premium, higher upfront cost 

You pay a set amount before your cover begins. 

An excess is the first portion of a claim you pay yourself, before your cover kicks in. The higher you set it, the lower your monthly premium. But if you need to claim, you carry more of that first cost yourself. 

Example: 
Your hospital treatment costs €5,000. You have a €100 inpatient excess. You pay €100. We pay €4,900. 

 

Shortfall: A share of treatment cost 

You pay a percentage of certain procedures. 

A shortfall works like a co-payment on certain procedures. It's the percentage of a treatment cost that sits with you rather than your insurer. It applies to specific procedures — often orthopaedic or ophthalmic — and is clearly outlined before you buy any plan. 

Example: 
If a cataracts procedure costs, €1,500, a 20% shortfall would mean we pay €1,200. You pay €300.

 

 

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Check what’s included in your current plan

Check your cover
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Your plan includes more than you might realise

From fast access to diagnostics to everyday healthcare support, your plan includes benefits that can save you both time and money when you need care.


  • Faster diagnostics

    MRI scans in Laya clinics with results in as little as 2 days

  • Urgent care clinics (365 days)

    From approx. €45 per visit (up to 80% less than typical costs)

  • Digital health hub

    Online GP, physio, mental health & more services. Worth over €400 per year

Don’t lose value you’re already paying for. If you’re not using these services, you may not notice them until you need them.

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Lorraine Walsh, Director of Customer Experience, laya healthcare

Finding the right balance between cost and cover

"We understand that affordability is a concern for our members. We want to ensure you know the value and benefits of your current plan and then we can talk to you about your current needs to make sure we find the most suitable plan for you.

Our team matches your needs to the most suitable plan every day, that’s why we’re here to help. A lower premium per month can mean a higher excess, lower benefits or a shortfall for a procedure, so you need to be aware of this before making changes to your plan and we discuss all of this as part of our full suitability assessment on our calls. So, let’s talk before you renew."

Still have some questions?

If you are moving between plans, some waiting periods may apply where you are upgrading to a higher level of cover. However, benefits that you already hold are generally not subject to repeat waiting periods. You’ll find more information on waiting periods on this page. Frequently Asked Questions | FAQs | Laya Healthcare Ireland

You can view all the details of your cover by logging into your Member Area

 

Within your policy documents, you'll find:

  • Your Rules Booklet, which explains the terms and conditions of your policy in detail.
  • Your Benefit Table, which is specific to your plan and provides a comprehensive overview of your cover.

Your Benefit Table outlines everything that's included in your health insurance plan, such as:

  • Hospital cover
  • Everyday medical expenses
  • Minor illness and injury benefits
  • Online GP services
  • Health and wellbeing supports
  • Mental Health support
  • Any additional benefits available on your plan

Reviewing these documents is the best way to understand exactly what you're covered for and the benefits available to you.

 

 

Yes, you can call us on 021 202 2000 and our award-winning team will chat through everything with you. 

 

 

 

  • GP Live consultations have grown from 42,000 in 2020 to a projected 149,000 in 2025.
  • 11,000 members used our 24/7 Mental Wellbeing Support Programme last year.
  • Digital services are now a core part of healthcare — and require ongoing investment to maintain quality and access.

 

 

Review your cover with confidence 

Start by getting familiar with your current policy, then explore whether small changes could make a difference.

  • Understand your benefits
  • Check your usage
  • See what changes make sense

 

 

Speak to our team Start my cover review