Many Laya Healthcare plans include money back for counselling under everyday medical expenses. Book with Fettle, get your receipt, and submit through the Laya App or your Member Area.
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Laya's "mental wellbeing" benefits can include money back for counselling sessions depending on your scheme.
Counselling typically falls under Laya's "everyday medical expenses" — pay first and claim back by submitting your receipt.
Some plans describe the benefit as "Adult Counselling" with benefit levels and visit limits that vary by scheme and year.
Laya also lists criteria for child counselling in its scheme rules (IACP / ICP / PSI). Check your Benefit Table.
Benefits are only paid up to the limits shown in your Benefit Table. Levels and visit limits can change by scheme and year.
Important: Benefits vary by plan and scheme. Always check your Benefit Table in your Member Area before booking. Laya notes that benefits are only paid up to the limits shown in your specific Benefit Table.
Submit claims through the Laya App or your Member Area — snap a photo of your receipt and you're done in minutes.
Pick a therapist and time that suits you. Whether it's anxiety, stress, low mood, relationships, grief, burnout, or confidence — choose from 45+ accredited therapists.
Complete your appointment online from wherever suits you. Keep it simple: show up, do the work, get your receipt.
After the session, you'll receive a detailed receipt from Fettle. Laya requires receipts to show the date, patient name, and a full breakdown of costs.
This is the fastest route. Laya's claim process is designed for everyday expenses:
Track your claims through the Laya App or Member Area. Laya processes claims efficiently, but make sure you submit on time.
Laya's scheme rules set specific accreditation requirements. Here's what's needed.
Ireland's largest professional body. Fully accredited members eligible.
Umbrella body representing psychotherapy organisations including IAHIP, FTAI.
Recognised by Laya for CBT-focused therapy. Also includes IABCP.
Chartered members eligible for Laya psychology claims.
Tell us you're claiming with Laya and we'll match you with a fully accredited IACP, ICP, BABCP/IABCP, or PSI therapist.
Find a Therapist →Missing details are the biggest reason counselling claims get delayed with Laya.
It depends on your scheme and Benefit Table. Laya notes that benefits are only paid up to the limits shown in your Benefit Table. Log into your Member Area to check your specific counselling benefit amount and visit limits.
Yes — Laya's app and online claiming is designed for regular receipt submissions for everyday medical expenses, including counselling. The key is that your therapist meets Laya's accreditation requirements and your receipt includes all required details.
Usually no. Laya's process focuses on submitting receipts through the app or Member Area and doesn't describe a GP referral requirement for standard counselling submissions. Your Benefit Table will outline any special conditions.
Receipt details. Laya specifically calls out the need for clear receipts — including date, patient name, cost breakdown, and stamping or headed paper where required. Fettle receipts are designed to include all of these.
Yes — you can submit them one at a time after each session or batch several together. We recommend submitting after each session to keep things simple and stay well within the 12-month deadline.
Laya's scheme rules specify that the counsellor/therapist must be a fully accredited member of a recognised body. This generally excludes pre-accredited or trainee members. It's a quality assurance measure. When you tell Fettle you're claiming with Laya, we'll make sure your match meets this requirement.
Book → Attend → Submit receipt → Refund.
Choose a therapist on Fettle
Complete your session online
Download your Fettle receipt
Submit via Laya App
Coverage depends on your insurer, scheme, and therapist accreditation. Fettle cannot guarantee reimbursement. Always check your Benefit Table.
