Laya Simply Connect

by Laya Healthcare

★★★★☆4.2(16,870 reviews)

Laya Healthcare is Ireland's second-largest health insurer with 27.9% market share, backed by AIG Group. Its Simply Connect plan offers private hospital and specialist cover with a modern digital approach and app-based claims management, appealing particularly to younger Irish policyholders.

Monthly Premium

€75 - €230

Deductible

€0 - €150

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Strong digital tools and app
✓AIG Group financial strength
✓Competitive pricing for young adults

Cons

✗Smaller hospital contract list than VHI
✗4.7% 2026 increase higher than VHI's 3%

Editorial Review

“Laya's AIG backing and modern digital product design give it a strong position among younger Irish consumers who find VHI's heritage and size less relevant than digital experience and competitive pricing for healthy individuals.”

— Settle.ie Ireland Health Insurance 2025; RTÉ Analysis Health Insurance 2026