Can you afford to be sick or injured in hospital?

£225 per night spent in hospital tax free cash to spend as you want

Our Cash Plans

Did you know that in one year there are over 16 million admissions into NHS hospitals!

How would you safeguard your income if you went into hospital? What protection do you have now?

We all know of examples of those who have been in hospital and found themselves without enough money to pay the bills. How would you cope?

HMCA Insurance Ltd authorised and regulated by the Gibraltar Financial Services Commission.

Our Cash Plans

Hospital Sickness & Injury Money Plan

The Hospital Sickness and Injury Money Plan has been designed to pay you £225 per night in hospital for up to 365 days. The money is paid whether you are an NHS or Private Patient and even if you have other medical plans.

Care Starter Cash Plan

The Care Starter Cash Plan provides tax free cash to cover your unexpected medical expenses, paid directly to you.

Cash Plus Plans

With any of the above plans you can upgrade them to a Plus Plan and you will receive access to the HMCA GP Advice Helpline. With the HMCA GP Advice Helpline you’ll get:

24/7 GP Telephone Consultations

The private GP helpline is available 24 hours a day, 7 days a week, 365 days a year. This means that patients receive unlimited advice, reassurance, diagnosis, medication or a referral when they need it, from wherever they are in the world.

Video Consultations

The Online eConsultation service enables you to have an online video consultation in the comfort of your own home or place of work.

Private Prescriptions

Should the doctor feel you would benefit from prescription medication, you can have the medication delivered to you at any UK address, whether you are at home, work or on holiday.

Health Information

Discover all the health information that is at your doctor’s GP surgery inside the App. Access the UK’s most comprehensive medically validated health information database providing access to over 1,100 topics to give you your very own reliable source of information, 24 hours a day.

Plus Plan Features

Emotional Wellbeing Helpline Including Counselling

Designed to provide early intervention for mental health concerns, Emotional Wellbeing is available 24/7 and 365 days per year, and offers prompt access to an experienced team of mental health professionals, including Psychological Wellbeing Practitioners, CBT Therapists and mental health nurses.

Food & Nutrition Helpline

A healthy diet is a cornerstone for long-term physical and mental health. Food & Nutrition offers access to our expert Nutritionists and is designed to provide advice, guidance and information for optimal nutrition and healthy eating.

Musculoskeletal Support Helpline

MSK Support provides advice, guidance and support for a broad range of musculoskeletal conditions, such as back/neck pain, upper and lower limb problems and general aches and pains. This service is delivered by an experienced team of Physiotherapists and Sports Therapists, who provide tailored self-treatment advice and can refer for treatment, if clinically appropriate.

Exercise & Activity Helpline

Delivered by highly qualified exercise and fitness specialists, Exercise & Activity provides expert advice and guidance around maintaining an active lifestyle, and our team are able to advise on the benefits of many types of activity and exercise.

Good Sleep Helpline

There is a close relationship between sleep and mental health and when we get a good night’s sleep, we can improve our energy levels, mood, motivation, creativity and problem solving, while reducing procrastination. To help achieve a restful night’s sleep and feel more refreshed in the mornings, Good Sleep is designed to provide techniques and healthy lifestyle habits to improve sleep quality and energy levels.

Enquire Now

Please complete and submit the form below and we will send you a quotation and enquiry pack. If you have any questions or need help please call 01423 799949. HMCA has not, nor will it ever, sell or broker your information to third parties. Privacy Policy