Can I claim from both HSF and Laya? I have paid €150.00 on a GP visit which on my HSF plan I can claim €32.00 and my Laya plan is 50% = €75.00, can I claim from both?
Just be aware - €150 seems very high for a GP visit. You might find that LAYA will cap the refund amount based on the customary charge for a GP visit so will refund you based on that lower figure.
You should claim from your Hospital Saturday Fund first, then when submitting to Laya, you should provide a copy of your HSF statement. You are eligible to claim the difference.
The principle of indemnity kicks in to prevent making a profit out of insurance.