Irish Independent: Your Questions – Is it true my insurer is introducing shortfalls on some procedures?


 This change is being introduced across a number of Laya policies, according to Dermot Goode of

He said this is similar to what is already in place with Vhi and Irish Life Health. Laya is now introducing co-payments, or set shortfalls, on a list of 13 restricted procedures which are mainly orthopedic (hip, knee and shoulder replacements) and some ophthalmic procedures (cataract removal).