Laya Healthcare
Laya Healthcare is one of three licensed private health insurers in Ireland, serving 700,000+ individual, family, and corporate policyholders with health insurance schemes, five owned urgent care clinics, and a 24/7 digital GP and wellbeing platform.
- Company typePrivate
- Founded2012
- HeadquartersIsland, Ireland
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Laya Healthcare does
Laya Healthcare Limited is one of three licensed private health insurers in Ireland, serving over 700,000 individual, family, and corporate policyholders with a portfolio of health insurance schemes (Discover, Compare, Find) covering inpatient, outpatient, and day-case treatment across public, semi-private, and private hospital accommodation. The company is vertically integrated: alongside underwriting it operates five owned Laya Health and Wellbeing Clinics (via subsidiary MyMedical Urgent Care Ltd) in Dublin (Cherrywood, Swords), Cork (Little Island), Galway, and Limerick, providing walk-in urgent care with X-ray, MRI, and DEXA capabilities. Insurance underwriting for policies incepted or renewed from 1 January 2025 is provided by AXA Insurance dac, following AXA's acquisition of Laya from AIG; Laya also acts as an agency channel for Laya Life (life/mortgage protection underwritten by IptiQ Life SA) and Laya Travel (underwritten by AIG Europe S.A.).
The company's technology stack centers on a digital health platform comprising a consumer-facing website, a 24/7 self-service member portal and mobile app (with photo-based claims submission), GPLive video GP consultations (integrated with CareOnCall), 24/7 GPline and Nurseline telephone services, the Healthcoach digital coaching platform, and a 24/7 Mental Wellbeing Support Programme. Distribution combines direct-to-consumer digital channels (website, app, phone) with B2B corporate sales to SMEs (5–100 employees) and corporates (101+), a flagship €52M RDS Arena sponsorship, and the physical clinic footprint as an acquisition and retention channel. Revenue is primarily recurring subscription premiums (annual and multi-year policies), supplemented by unit-priced clinic consultation and diagnostic fees (€35–€310), and agency referral commissions from life and travel insurance. The company is headquartered in Little Island, Cork, with 501–1,000 employees, and is led by Managing Director D.O. O'Connor.
Laya Healthcare firmographics
Firmographics- Name
- Laya Healthcare
- Legal name
- Laya Healthcare Limited
- Website
- https://layahealthcare.ie
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Laya Healthcare is one of three licensed private health insurers in Ireland, serving 700,000+ individual, family, and corporate policyholders with health insurance schemes, five owned urgent care clinics, and a 24/7 digital GP and wellbeing platform.
- Ownership category
- akta.pro rank
Laya Healthcare industry classification
Industry- Product category
- Private Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Ambulatory Health Care Services (621)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Offices & Clinics Of Doctors Of Medicine (8011)
- akta.pro primary industry
- Primary Care & General Medicine Virtual Care (HLALAAAA)
- akta.pro secondary industry
- Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA)
Keywords
Where Laya Healthcare is headquartered
LocationHeadquarters
- HQ city
- Island
- HQ country
- Ireland
- HQ region
- Europe
Offices6 records
Markets served
Laya Healthcare business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Supply Chain
Revenue model
- Health Insurance Premiums: Laya Healthcare's primary revenue stream is recurring health insurance premiums paid by individual, family, and corporate policyholders. Premiums are subject to annual and mid-year increases driven by rising private hospital claims costs. For health insurance policies incepted or renewed from 1 January 2025, insurance is provided by AXA Insurance dac trading as Laya Healthcare.
- Clinic Consultation and Treatment Fees: Revenue from urgent care clinic services (initial consultation €190, follow-up within 72h €0, nurse consultation €35, X-rays from €110, MRI from €310, DEXA from €120) charged to non-members and to members subject to excess/plan limits. Video consultations charged at €60 for non-members (€15 additional for prescriptions).
- Life Insurance Agency: Laya Healthcare acts as an agent for life insurance and mortgage protection products under the Laya Life brand, with IptiQ Life SA as the underwriter, generating agency/ referral commission revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Multi-tier health insurance plans (Discover, Compare, Find) with varying inpatient excess, outpatient excess, and hospital accommodation levels. |
| Unit Pricing | Pay-as-you-go | Laya Health and Wellbeing Clinic walk-in urgent care — initial consultation fee |
| Unit Pricing | Pay-as-you-go | Diagnostic imaging services at Laya Clinics |
| Unit Pricing | Pay-as-you-go | Video consultation with Laya Health and Wellbeing Clinic Doctor |
| Unit Pricing | Pay-as-you-go | GP Live video consultation (cancellation policy) |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Laya Healthcare product offering
Product offeringCore offering
Laya Healthcare is an Irish private health insurance provider offering multi-tier health insurance schemes (Discover, Compare, Find) for individuals, families, and corporate groups, with inpatient, outpatient, and day-case coverage. The offering is extended through five owned Laya Health and Wellbeing Clinics providing walk-in urgent care and diagnostics, 24/7 GP telephone (GPline) and video (GPLive) consultation services, preventive health programmes (HeartBeat cardiac screening, Healthcoach), a mental wellbeing support programme, and sub-branded life (Laya Life) and travel (Laya Travel) insurance products.
Product overview
Laya Healthcare operates as a health insurance provider in Ireland offering a portfolio of interconnected products and services. Their core offering consists of health insurance schemes (Discover, Compare, Find) providing inpatient, outpatient, and day-case coverage across public, semi-private, and private hospital accommodation. They operate Laya Health and Wellbeing Clinics (5 locations across Ireland) providing walk-in urgent care with X-ray and MRI facilities. Digital health services include GPline (24/7 telephone GP access), Nurseline (24/7 nurse advice), Healthcoach (preventative health coaching), HeartBeat Cardiac Screening, Mental Wellbeing Support Programme, and GPLive (24/7 video GP consultations with specialist menopause and dermatology services). Members access services through a digital Member Area and mobile app. The company also offers Laya Life (life/mortgage protection insurance) and Laya Travel insurance as sub-brands. Insurance for policies incepted/renewed from January 2025 is provided by AXA Insurance dac; earlier policies by Elips Insurance Limited. The company sponsors the RDS arena (renamed Laya Arena) as part of a €52 million stadium upgrade.
Differentiator
Problem solved
Functional benefit
Products and services
- Health Insurance Schemes (Discover, Compare, Find) Multi-tier private health insurance covering inpatient, outpatient, and day-case treatment across public, semi-private, and private hospital accommodation, offered via three scheme pathways: Discover for new customers, Compare for those switching from other insurers, and Find for existing members locating specific plans.
- Laya Health and Wellbeing Clinics Walk-in urgent care clinics open 10am-10pm, 365 days a year, providing treatment for minor injuries and illnesses within a 60-minute target wait, with on-site X-ray, MRI, and DEXA scan facilities. Five clinic locations across Dublin (Cherrywood, Swords), Galway (Briarhill), Limerick (Ennis Road), and Cork (Little Island), serving both members and non-members.
- Business Healthcare Schemes Corporate and employer group health insurance for SMEs (5-100 employees), corporate clients (101+ employees), and international/FDI companies, with group sign-up, wellbeing services, and insights and trends reporting.
- Laya Life Insurance Life insurance and mortgage protection products offered as part of Laya Healthcare's broader financial protection portfolio, provided by IptiQ Life SA and regulated by the Central Bank of Ireland.
- Laya Travel Insurance Travel insurance products providing coverage for customers domestically and abroad, provided by AIG Europe S.A.
- GPLive Video GP Consultations 24/7 online video consultation service with Irish-based GPs accessible through the Laya App, including specialist GP-led menopause and dermatology services through CareOnCall, with language preferences (English, Portuguese, Spanish) and gender preferences for consultations.
- GPline Telephone GP Service 24/7 telephone access to a GP service where nurses triage calls and arrange doctor callbacks, available to members for medical advice, referrals, and prescriptions at any time.
- Nurseline 24/7 telephone access to qualified nurses for health advice and confidential guidance, particularly useful for after-hours health concerns.
- Healthcoach Preventative healthcare service providing members with one-to-one consultations with qualified Healthcoaches for personalized health assessments, fitness and nutrition planning, and wellbeing programme design, with in-person consultations every two years and unlimited digital sessions.
- HeartBeat Cardiac Screening Cardiac screening service including electrocardiogram (ECG), physical examination, blood pressure and BMI checks, and cardiologist review, available to members aged 12+ to reduce risk of heart disease.
- 24/7 Mental Wellbeing Support Programme Confidential mental health support service available to all members aged 16+, offering immediate phone support from Irish-based qualified psychotherapists, up to 6 face-to-face counselling sessions per issue per year, and referrals to legal, financial, career, and mediation experts.
- Healthcare Concierge Personalized service providing guidance and information relating to medical diagnoses and healthcare services to help members navigate the healthcare system and make informed decisions about their care.
Quantifiable outcome
- Be seen within 60 minutes at Laya Health and Wellbeing Clinics (target wait time)
- +4 more outcomes
Companies that use Laya Healthcare
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Laya Healthcare technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Laya Healthcare partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered flagship, core and minor.
- Royal Dublin Society (RDS)flagshipLaya Healthcare entered a formal €52 million stadium upgrade sponsorship with the RDS in 2023, renaming the main arena at the RDS showgrounds to 'Laya Arena'. The sponsorship is a flagship branding and awareness initiative for Laya Healthcare, with RDS members instructed to use the new naming in all communications.
- Webdoctor (CareOnCall)coreWebdoctor provides the CareOnCall GP video consultation service integrated into the Laya Healthcare GPLive offering, enabling members to access video GP consultations and specialist services (menopause, dermatology) 24/7.
- MyMedical Urgent Care LtdcoreOperates Laya Health and Wellbeing Clinics across 5 locations in Ireland (Cherrywood Dublin, Swords Dublin, Briarhill Galway, Ennis Road Limerick, Little Island Cork) on behalf of Laya Healthcare. Clinics provide walk-in urgent care and diagnostic services to both members and non-members.
- UCC EmployAbility ProgrammeminorPartnership with University College Cork's EmployAbility Programme supporting diverse talent in employment, reflecting Laya's diversity and inclusion commitments.
- Business in The Community Ireland (BITCI) — School's Business PartnershipminorLaya Healthcare has partnered with Business in The Community Ireland's School's Business Partnership for over 10 years, engaging with local schools and supporting students through mentorship and career guidance initiatives.
- IptiQ Life SAcoreUnderwriter for Laya Life insurance products (life insurance and mortgage protection), with Laya Healthcare acting as the agency. Laya Healthcare Limited trading as Laya Life is regulated by the Central Bank of Ireland.
- AIG Europe S.A.minorProvider of Laya Travel Insurance products, with Laya Healthcare acting as the agency. Laya Healthcare's predecessor was owned by AIG before acquisition by AXA.
Scale indicators8 records
Recent moves8 records
Expansion highlights6 records
Laya Healthcare competitors and assessment
Company assessmentBroad incumbents
- Bupa: Bupa is the global health insurance and healthcare group from which Laya was originally created (BUPA Ireland) via management buyout in 2012; Bupa now operates health insurance and clinics globally with comparable product, customer, and care-delivery models.
- Cigna: Cigna is a global health insurer offering individual, family, and corporate international cover; its integrated health, wellbeing, and telehealth benefits provide a benchmark for Laya's broader portfolio of GPLive, GPline, Nurseline, and Laya Life/Travel products.
- Aviva: Aviva operates a significant life, health, and general insurance business in Ireland including group health offerings; its broad multi-line portfolio and established broker distribution provide a useful comparison point for Laya's employer group schemes and digital strategy.
- AXA Health UK: AXA Health UK is the sister company within the AXA group that now underwrites Laya's policies; it operates a comparable individual and corporate private health insurance business in the UK, sharing parent capital, product design expertise, and digital infrastructure.
- Vitality Health: Vitality Health is a UK-based health insurer that combines insurance with structured wellness and prevention programmes (similar to Laya's Healthcoach, HeartBeat, and Mental Wellbeing benefits), making it a useful comparable for Laya's preventative-care-led value proposition.
Direct peers
- VHI Healthcare: VHI is Ireland's largest private health insurer with the longest operating history, offering individual, family, and corporate schemes that compete directly with Laya's Discover, Compare, and Find products across the same regulatory framework and provider network.
- Irish Life Health: Irish Life Health is the third major private health insurer in Ireland (part of Irish Life/Great-West Lifeco), offering competing individual, family, and corporate plans with similar regulatory obligations and shared private hospital networks.
Regional players
- Allianz Care: Allianz Care is the international health insurance arm of Allianz, offering individual and group health cover across multiple European markets; while not directly competing in Ireland, it provides a peer reference for international group/FDI corporate health schemes that Laya also targets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Laya Healthcare social profiles
Digital presenceLaya Healthcare financial estimates
Financial estimateRevenue estimate
Valuation estimate
Laya Healthcare leadership team
Management profileNumber of profiles
Profiles6 records
Laya Healthcare subsidiaries and ownership
Company hierarchySubsidiaries1 record
Laya Healthcare funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Laya Healthcare M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Laya Healthcare
What does Laya Healthcare do?
Laya Healthcare is an Irish private health insurance provider offering multi-tier health insurance schemes (Discover, Compare, Find) for individuals, families, and corporate groups, with inpatient, outpatient, and day-case coverage. The offering is extended through five owned Laya Health and Wellbeing Clinics providing walk-in urgent care and diagnostics, 24/7 GP telephone (GPline) and video (GPLive) consultation services, preventive health programmes (HeartBeat cardiac screening, Healthcoach), a mental wellbeing support programme, and sub-branded life (Laya Life) and travel (Laya Travel) insurance products.
Is Laya Healthcare a public or private company?
Laya Healthcare is a private company. It is classified as corporate owned and is currently operating.
When was Laya Healthcare founded?
Laya Healthcare was founded in 2012. It employs 501 to 1,000 people.
Where is Laya Healthcare based?
Laya Healthcare is headquartered in Island, Ireland, in the Europe region.
How does Laya Healthcare make money?
Three revenue lines are on record. Health Insurance Premiums are the primary driver. The others are clinic Consultation and Treatment Fees and life Insurance Agency.
Who are Laya Healthcare's main competitors?
Broad incumbents on record are Bupa, Cigna, Aviva, AXA Health UK and Vitality Health. Direct peers are VHI Healthcare and Irish Life Health. Allianz Care is listed as a regional player.
Does Laya Healthcare have an API?
No public API is recorded for Laya Healthcare.
What industry is Laya Healthcare in?
Laya Healthcare's product category is Private Health Insurance. Its primary akta.pro industry code is HLALAAAA, Primary Care & General Medicine Virtual Care, with a secondary code of HLALADAA, Primary Care & General Medicine Virtual Care (Employer-Sponsored). Its NAICS code is 524114 and its SIC code is 6411.