Terms of Business/Terms and 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, T45 E181.

Laya Healthcare Limited is a member company of AIG Inc., one of the world’s leading international insurance and financial services organisations.

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 AIG Europe 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 life has taken great care in the development and presentation of this website and the material present on it.

Laya life 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.

Material on this website is directed primarily at viewers in the Republic of Ireland. Laya life 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.

These provisions (terms, conditions and disclaimers) 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 limited and may not be reproduced other than when downloaded and viewed on a single computer for private use only. You cannot reproduce, transmit or make it available on a network without getting our written consent first. All other rights reserved.


Our goal is to give our members a first-class service at all times. But if you're not happy about any aspect of our service, please get in touch.

Email us: letushelp@layalife.ie

Phone us: 1890 907 100

Write to us:

Customer service manager
Laya life
Eastgate Road
Eastgate Business Park
Little Island
Co Cork

Laya life takes part in the Insurance Ombudsman scheme. If you are not happy with how we dealt with your complaint, you can contact the ombudsman. See financialombudsman.ie for more information or email enquiries@financialombudsman.ie

You can also call or write to the ombudsman:

Office of the Insurance Ombudsman.
Financial Services Ombudsman
3rd Floor, Lincoln House
Lincoln Place
Dublin 2
Telephone: 1890 88 20 90

Sign up online or call 01 536 8000