Laya Healthcare Bewertungen 

I have excelcare plan with Laya which is one of the highest cover plan. Laya doesn’t cover consultant fee which they covered before. They say it is not covered. The fact is they paid the previous consultant fee for the same consultant.

The other thing is they say they have free video consultation. But, today, they charged me €48.11 for a video consultation.

Do not purchase a plan from these scammers. They tell lies and stories but do not reimburse the healthcare Costs when they need to.

I got two quotes one for my husband and 1 for myself. Laya Healthcare mixed up the quote with each other and had al the info incorrect. We have had health insurance prior to 1 st May 2015. On the second call because I explained the info they had incorrect the customer service agent demanded paper work from 2915 showing health insurance since 2015 without a break. The price was €600 higher than other insurers. This left my husband leaving Laya healthcare now having to pay full price for MRI and 3 days of day to day expenses. What a shambles and diabolical disgraceful mess up. Laya Healthcare should be a shame of theirselves. They are money money first and people’s health care is zero with them. Look at review here on Trustpilot that says it all. AVOID LAYA HEALTHCARE AND GO ELSE WHERE WHO LOOK AFER YOU.

It took 7 weeks for my policy to be activated after joining a new employer.
I then had to register twice as their system was updated but did not keep my information.
my credentials were entered incorrectly twice, so multiple calls to correct.
Dreading when i actually need to use them.

Laya now part of AXA , waiting 30 minutes for them to pick up on a call , then three times sent me out the worng information . LIke most organisations once taken over the first thing is to pare down the product as much as you can get away with . Avoid

Since AXA took over they have been absolutely dreadful.
Pure money making machine.
Can get tru.
I hope the owners sleep well because health is last on their agenda

They seem to spend all of their time finding ways not to pay. Bloods are covered, but they won't tell you where. On the surface looks like the cover is good, but they dispute you on everything. Go to Irish life instead

Terrible service. After reaching out for help and going through a drawn out process of endless personal questions over the phone "to reach the criteria" I was told my problems are too much to avail of the 6 complimentary counselling sessions. I expressed my disappointment that of this and the time and energy wasted. No concern was given or a follow up.

Appalling customer service, they dont answer phones, they dont answer email
The worst ever
Terrible service , I will not be using them again

I'm a Prime member, paying for what is supposed to be the highest level of cover, but my experience has been extremely disappointing.

Last year, I went in with severe back pain and could barely move. I paid the consultation fee, paid again for the painkillers, and they didn't solve the problem. I ended up spending the next 2–3 months researching my symptoms and finding my own solution.

More recently, I've had episodes where I suddenly feel like I'm about to pass out, with dizziness, the room spinning, a wave of weakness, and a severe headache afterwards. After nearly fainting twice in one week, €43 for an online GP appointment, only to be told to go to the clinic. I then paid €25, where the examination mainly involved simple head movements before I was sent home with painkillers. Nearly €100 spent, and I still left without answers.

From my experience, it felt like I was paying for appointments rather than getting real help. I expected much better from a Prime membership. If you're considering paying extra for Prime, I'd seriously question whether it's worth it.

Very bad experience, we have Laya through my husband's work, but we will for sure go back to Irish Life, which are miles better.

First, they added to the premium because of our age, and a minor break in cover over the past decade. Then, I submitted a claim for a doctor's appointment. It was about 50 Euro, got only 17 back because, apparently, not only do they only cover a percentage of the bill, there's also "co-pay" on top of that...

Then, my husband goes to the same doctor, same bill amount, and they keep refusing his claim, because "they don't know what currency this is!" Doctor's name, country, and currency/amount on the bill, my bill was identical, and was accepted. We kept submitting the info they asked for, they kept rejecting.

They can keep their sad 17 Euros, the worst part is the horrific customer experience, and the cost of the plan - 0 value for the customer, not even worth the tax we pay on it.

After many years we are leaving Laya due to increases in cover. However, it is with a heavy heart as I found this company to be so good. A family member had a terminal diagnosis and needed life saving cover in a private facility that I understood I had asked for when renewing but days before the procedure they told me it was not covered. I thought my failure to read the fine print would see treatment denied. But they called us that evening and reviewed their sales call with me. They agreed it was unclear on their part and as long as I paid the difference in premium they covered the procedure. This is a rare experience but customer service personnel were phenomenol in getting to the root of this without me even asking as I thought it was "fait accompli" Avoid getting the travel insurance as it is a horrible product and adds stress when you actually need it. Webchat could be so much better and the app is temperamental. However, Laya are upfront about costs, increases and options. I am truly sorry to leave but its a huge difference in cost with better out of pocket returns.

These people are pioneers in The Annoyance Economy. For those unfamiliar with the term, the Annoyance Economy is a passive aggressive way of eliminating service while still charging fees, sending you round the houses with chatbots in hopes you will just get frustrated and give up, while they still take your money but provide less and less.
Have a question? They think they are Facebook, and will drown you with marketing information (as they don't have Community Standards)
Want to know how to access services they advertise? Good luck - they don't seem to know they offer these benefits.
Want an answer to a question? They will act like you are an eejit and try to palm you off with irrelevant information. They actually tried to direct me to my employer's HR for information on how to access their services.
Untransparent company with willingly incompetent agents

Never insured me but took an insurance direct debit for a year due to a mistake on their system

I did notice a pretty substantial increase in cost on month health cover, not good to see but I know everything is going up. However I wanted to review my plan and spoke to Mike in there customer service team, he was absolutely brilliant! Talked me through my level of cover and what he felt I needed or didn’t need. He had an exceptional manner on the phone, the American accent helped!

i used the video call service. have eczema at the moment and asked for a shower gel with urea. no prescription forthcoming which is ok if i had been told but i wsnt the itching is very bad and stopping me sleeping

At renewal every year I ask not to lose any cover and when lodged a claim for a scan that I get every year same hospital they said they don't cover that hospital anymore.also the primary care clinic in cherrywood you never had to pay and now you do. I'm leaving at renewal after 12 years not good enough

I dealt with Agnes who was helpful, articulate and explained the best options for me and when adjustments were made to the plan - my premium is reduced.
Thanks to Agnes..
Valerie Hunt

Impossible to get through to. Rang them last week and was forced to email. That was a week ago. Now just got a phone call from them - which last abouted 2 seconds so I didn't have time to pick up.

Very disappointing experience with Laya Healthcare. My policy was automatically renewed and a large premium was deducted from my bank account without my explicit consent. The company relied on automated emails and voicemail attempts as evidence of communication, despite the fact that no renewal agreement was made. The issue has had to be escalated to the Financial Services and Pensions Ombudsman. I would advise customers to be very careful with automatic renewals.

Honestly they don’t even deserve 1 star. The worst experience I’ve ever had with a doctor in my life. She was so rude to me, was very condescending, clearly didn’t want to be there, spoke down to me the whole time & made me feel so uncomfortable. I ended up refusing to be treated by her due to her attitude & they still charged me a €190 for a GP consultation. Then when I sent an email to complain about the way I was spoken to by the doctor, all they had to say was they were sorry I didn’t have a nice experience.I literally left in tears. Avoid at all costs. All they want is your money, they don’t care about anything else