Yes, outpatient claims are treated differently, no waiting time applies for new customers or existing customers switching with Laya -
even for pre-existing conditions.
There's a link here to the Health Insurance Authority. If you scroll down to the second blue box heading entitled
'Waiting periods applied to new customers for outpatient benefits'
You will see under Laya section 'Immediate cover' applies regardless of age. No waiting applies.
http://www.hia.ie/consumer-information/waiting-periods/new-customer-waiting-periods
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