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FAQ

Frequently Asked Questions

Whether you’re exploring private medical cover for the first time or looking to understand more about our membership benefits, our FAQ section provides straightforward answers to the questions we’re asked most. Can’t find what you’re looking for? Our friendly UK-based team is always here to help.

Medical Care Plan

Have questions about the Medical Care Plan? Our FAQ offers clear and comprehensive answers to help you understand the benefits, coverage, and how the plan works. If you require further assistance, please don’t hesitate to contact us.

No. Our underwriters believe that our members should have cover from the commencement of any treatment covered under the Medical Care Plan. However, excesses are available if you want to reduce your subscription, please ring 01423 799949 for more details.
You must be a member or subscriber when first joining the Medical Care Plan. After enrolment you become a Member of HMCA and your membership will continue.
Yes. If you are in a medical plan you can transfer to the Medical Care Plan.
Our UK based claims team offer a personal service and provide prompt settlement.
Yes. We are happy to pay your specialist on your behalf or we can reimburse you.
Yes and you will receive a further discount, please ring our helpline on 01423 799949 for more details.
You may think you can put off taking out Private Medical Cover until you need to use it, but you should remember not to leave it too late. If you were to be diagnosed now, with no cover in place, you may well find you cannot get cover for this condition in future.
Yes, you can join and after one full year’s membership, providing you have been treatment and symptom free for 12 consecutive months, any pre-existing medical condition that occurred prior to joining us will be covered.

Yes, when you transfer any future claims made for acute conditions originating at the time you were participating in your previous plan will be honoured. However, when you join if you are undergoing treatment or investigations these are excluded unless fully disclosed and accepted by us. For more details telephone our helpline on 01423 799949.

As well as providing comprehensive benefits for treatment of acute medical conditions the Plan has a number of very important extra features which extend the scope:
• We include treatment for injuries sustained whilst playing sport.
• Cover continues whilst you are abroad on holiday or business for up to six months, at no extra cost.

If you choose to have all your treatment solely through the NHS, or it’s an emergency admission, you will receive £200 a night spent in hospital, for up to 30 nights. Of course, this is tax-free cash which you keep to spend as you wish.
Yes. There are no restrictions, you can use any of the hospitals detailed on our comprehensive list. If your preferred hospital is not listed please contact our Helpline.
Yes. We have arrangements with leading hospital groups and they will bill us direct for any admissions to hospital. Please contact our Helpline for more information.
Yes. The plan provides benefits towards day-case surgery.
Yes. Under our out-patient section you are covered for chiropractic, osteopathy, homeopathy and acupuncture given by qualified practitioners.
No. We do not have restrictive clauses relating to the NHS waiting lists.
Yes. Cover continues when you travel abroad on holiday or business for up to six months at no extra cost.
Yes. Benefits are payable however some hazardous pursuits are excluded from the Personal Accident Benefit.
IPT is a tax on general insurance, for example, motor, household and medical cover, levied by the Government. All subscriptions quoted by HMCA include IPT, if applicable.
There is no age limit when joining the Medical Care Plan.

Medical Saver Plan

Have questions about the Medical Saver Plan? Our FAQ offers clear and comprehensive answers to help you understand the benefits, coverage, and how the plan works. If you require further assistance, please don’t hesitate to contact us.

No. Our underwriters believe that our members should have cover from the commencement of any treatment covered under the Medical Saver Plan. However, excesses are available if you want to reduce your subscription, please ring 01423 799949 for more details.
You must be a member or subscriber when first joining the Medical Saver Plan. After enrolment you become a Member of HMCA and your membership will continue.

Yes. If you are in a medical plan you can transfer to the Medical Saver Plan.

Our UK based claims team offer a personal service and provide prompt settlement.
Yes. We are happy to pay your specialist on your behalf or we can reimburse you.

Yes and you will receive a further discount, please ring our helpline on 01423 799949 for more details.

You may think you can put off taking out Private Medical Cover until you need to use it, but you should remember not to leave it too late. If you were to be diagnosed now, with no cover in place, you may well find you cannot get cover for this condition in future.

Yes, you can join and after one full year’s membership, providing you have been treatment and symptom free for 12 consecutive months, any pre-existing medical condition that occurred prior to joining us will be covered.

Yes, when you transfer any future claims made for acute conditions originating at the time you were participating in your previous plan will be honoured. However, when you join if you are undergoing treatment or investigations these are excluded unless fully disclosed and accepted by us. For more details telephone our helpline on 01423 799949.

As well as providing comprehensive benefits for treatment of acute medical conditions the Plan has a number of very important extra features which extend the scope:
• We include treatment for injuries sustained whilst playing sport.
• Cover continues whilst you are abroad on holiday or business for up to six months, at no extra cost.

If you choose to have all your treatment solely through the NHS, or it’s an emergency admission, you will receive £200 a night spent in hospital, for up to 30 nights. Of course, this is tax-free cash which you keep to spend as you wish.

Yes. There are no restrictions, you can use any of the hospitals detailed on our comprehensive list. If your preferred hospital is not listed please contact our Helpline.

Yes. We have arrangements with leading hospital groups and they will bill us direct for any admissions to hospital. Please contact our Helpline for more information.

No. We do not have restrictive clauses relating to the NHS waiting lists.

Yes. Cover continues when you travel abroad on holiday or business for up to six months at no extra cost.

Yes. Benefits are payable however some hazardous pursuits are excluded from the Personal Accident Benefit.

There is no age limit when joining the Medical Saver Plan.

IPT is a tax on general insurance, for example, motor, household and medical cover, levied by the Government. All subscriptions quoted by HMCA include IPT, if applicable.

Medical Starter Plan

Have questions about the Medical Starter Plan? Our FAQ offers clear and comprehensive answers to help you understand the benefits, coverage, and how the plan works. If you require further assistance, please don’t hesitate to contact us.

No. Our underwriters believe that our members should have cover from the commencement of any treatment covered under the Medical Starter Plan. However, excesses are available if you want to reduce your subscription, please ring 01423 799949 for more details.
You must be a member or subscriber when first joining the Medical Starter Plan. After enrolment you become a Member of HMCA and your membership will continue.
Yes. If you are in a medical plan you can transfer to the Medical Starter Plan.
Our UK based claims team offer a personal service and provide prompt settlement.
Yes. We are happy to pay your specialist on your behalf or we can reimburse you.
Yes and you will receive a further discount, please ring our helpline on 01423 799949 for more details.
You may think you can put off taking out Private Medical Cover until you need to use it, but you should remember not to leave it too late. If you were to be diagnosed now, with no cover in place, you may well find you cannot get cover for this condition in future.
Yes, you can join and after one full year’s membership, providing you have been treatment and symptom free for 12 consecutive months, any pre-existing medical condition that occurred prior to joining us will be covered.
Yes, when you transfer any future claims made for acute conditions originating at the time you were participating in your previous plan will be honoured. However, when you join if you are undergoing treatment or investigations these are excluded unless fully disclosed and accepted by us. For more details telephone our helpline on 01423 799949.

As well as providing comprehensive benefits for treatment of acute medical conditions the Plan has a number of very important extra features which extend the scope:
• We include treatment for injuries sustained whilst playing sport.
• A personal accident benefit is provided

If you choose to have all your treatment solely through the NHS, or it’s an emergency admission, you will receive £100 a night spent in hospital, for up to 30 nights. Of course, this is tax-free cash which you keep to spend as you wish.

Yes. There are no restrictions, you can use any of the hospitals detailed on our comprehensive list. If your preferred hospital is not listed please contact our Helpline.

Yes. We have arrangements with leading hospital groups and they will bill us direct for any admissions to hospital. Please contact our Helpline for more information.

No. We do not have restrictive clauses relating to the NHS waiting lists.
Yes. Benefits are payable however some hazardous pursuits are excluded from the Personal Accident Benefit.
There is no age limit when joining the Medical Starter Plan.
IPT is a tax on general insurance, for example, motor, household and medical cover, levied by the Government. All subscriptions quoted by HMCA include IPT, if applicable.

HMCA Plus Plan Upgrade

Enhance your medical cover with the HMCA Plus Plan upgrade. Get 24/7 access to private GP consultations, video appointments, prescription delivery, and expert helplines covering mental wellbeing, nutrition, sleep, physical health, and more—all designed to support your health and lifestyle, every day of the year.

Yes. If you’re a member of any HMCA Medical Plan, you can choose to upgrade to the Plus Plan for additional benefits.
You can upgrade by contacting HMCA directly. The upgrade is optional and can be added to any of the existing Medical Plans.

Upgrading gives you access to the HMCA GP Advice Helpline, which includes:

  • 24/7 GP telephone consultations
  • Video consultations
  • Private prescriptions delivered to any UK address
  • Access to a trusted health information database
  • Emotional wellbeing and counselling support
  • Food and nutrition advice
  • Musculoskeletal support
  • Exercise and activity guidance
  • Good sleep advice

Yes. The GP telephone consultation service is available worldwide, 24/7, 365 days a year.

Yes. The upgrade is available to anyone enrolled in an HMCA Medical Plan.