No Third-Party Brokers
Unlike many competitors, we don’t promote our private medical policies through third-party brokers. The private medical policies, developed by HMCA Insurance Ltd, are exclusively available through HMCA/s PLC. This arrangement allows transferring policy holders, and new members, to save money. By cutting out third-party commission-paid brokers, 90% of surveyed members who joined HMCA said they had saved money by switching to us.
Loyalty Over Discounts
There is a tendency in the marketplace for members of different health schemes to be transferred annually by brokers to different providers, based on policy discounting, not on the competitive benefits and longevity of the provider. This practice benefits third-party commission-paid brokers, not the subscriber. At HMCA, it is our practice to recognise membership loyalty, especially when dealing with claims.
Long-Term Membership
HMCA members typically stay with us for more than five years, as we don’t discount premiums to attract new business, because our premiums are always highly competitive.
Support Through All Circumstances
HMCA is with you for the long haul, through good times, and if needed the bad. Prolonged membership of a health scheme means that when you are in hospital your provider will make every effort to support you no matter what the circumstances. In many cases, it will also not affect your future HMCA premium, because you have had to make a claim.
Protection Even After Diagnosis
By supporting HMCA, we can return the favour in protecting you in case of future hospitalisations. This includes maintaining a competitive subscription level even if you are diagnosed with the most serious health condition.
Fast Claims Processing
Thanks to our tenacity, over 90% of claims are settled within 24 hours.
No Age Barrier
HMCA will accept you whatever your age. Unlike many competitors, there is no age barrier to our health insurance.
Not on Comparison Websites
You won’t find HMCA on comparison websites, because some of these sites pay hidden commissions or make other charges, which we believe is unfair.
45+ Years of Experience
HMCA has over 45 years’ experience of providing comprehensive health insurance packages, during which we have developed an excellent reputation. So please call us today to get your personalised quote.