Laya Essential Plus

by Laya Healthcare

★★★★☆4(5,430 reviews)

Laya Essential Plus is Laya Healthcare's most affordable individual health plan, designed for young adults and first-time health insurance buyers in Ireland. Under Ireland's community rating, premiums are the same regardless of health status, making it a genuinely accessible entry into private cover.

Monthly Premium

€60 - €140

Deductible

€75 - €200

Coverage Type

basic

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Coverage Details

✓Hospitalization

✗Outpatient Care

✗Dental

✗Vision

✗Mental Health

✓Maternity

✗Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Lowest Laya entry price
✓Community rating protects future insurability
✓Good value for healthy young adults

Cons

✗Higher excesses than premium plans
✗Limited specialist outpatient benefit at base

Editorial Review

“Laya Essential Plus makes community rating tangible for young Irish adults — the same price regardless of health, access to private hospitals when needed, and Laya's modern digital experience at the lowest entry price point in Ireland's second-largest insurer's range.”

— Settle.ie Ireland Health Insurance Guide 2025; HIA.ie Comparison Tool