Many people are under financial strain at the moment and are looking for flexible financial solutions for their everyday medical expenses. With this in mind, Laya Healthcare, Ireland’s second largest healthcare insurance provider, has introduced Money Smart Cash Plans.

The primary purpose of cash plans is to help people budget effectively for everyday medical expenses by giving them cash back on their GP and dental visits, physiotherapy treatments, complementary therapies, scans and prescriptions.

Cover starts from less than €15 per month (based on our Money Smart 20 Individual Scheme) with annual costs for the different levels of cover starting from as little as €165 for entry level to €325. Members can submit medical receipts up to four times a year.

Money Smart cash plans offer three levels of cover; Money Smart 20, Money Smart 30 and Money Smart 40, tailored for both individuals and family, allowing members to choose the appropriate scheme based on their specific requirements and available budget.

Each Money Smart cash plan provides for some cash back in relation to inpatient stays, maternity services and prescriptions. Individual members on Money Smart 20 can receive more than €1,000 back on a range of benefits including:

• GP and A&E visits, €20 cash back for up to six visits

• Routine dental and optical cover, €20 cash back for up to six visits

• Scan Cover, €20 cash back for up to six scans

• Day to Day therapies, €20 cash back for up to six visits

Along with offering cash back on everyday medical expenses, members on Money Smart cash plans can also avail of laya healthcare’s 24 hour GP line and Nurseline services. While each of the schemes provide for some cash back in relation to inpatient stays, maternity services and prescriptions, they do not cover hospital stays or provide access as a private health insurance holder.

Laya healthcare private health insurance holders can also avail of Money Smart cash plans to supplement their private health insurance policy.

For more information on their Money Smart schemes call 1890 901 855, or visit

Keep up with laya healthcare online through or @LayaHealthcare

Insurance provided by Elips Insurance Limited trading as Laya Healthcare. Laya Healthcare Limited trading as laya healthcare is regulated by the Central Bank of Ireland.