Transfer And Save With HMCA Medical Cover

Are you paying too much for your medical cover? If you become an annual Medical Plan member you will receive a 40% discount and guaranteed acceptance.


By choosing HMCA Insurance you have the peace of mind that your employees will have the investigations or treatment as quickly as possible, to ensure a quick return to work to limit time away to cause minimal disruption for your business.

We offer a personal claims service, we will talk to your employee and go through the step by step claims process, on most occasions they can speak to the same person in our claims department.

We all know it is difficult to recruit the right members of staff to enhance your business and more importantly to retain them, by offering a Medical Plan it shows as a business you care about your employees and their health. This will help to improve morale and productivity and may make you stand out from similar businesses.

HMCA understands that everyone's needs are different which is why we have arranged three levels of Medical Plan with HMCA Insurance Limited.

The Medical Care Plan provides benefits towards out-patient, day case and in-patient treatment and these benefits continue whilst you travel abroad.

The Medical Saver Plan provides benefits towards in-patient treatment and these benefits continue whilst you travel abroad.

The Medical Starter Plan provides benefits towards in-patient treatment in the UK only.

You may transfer to HMCA Insurance at any age without a medical examination, with no break in protection and with a fourteen day money-back guarantee. Upon joining the plan you will receive a £50 Marks & Spencer gift card. In addition the plan now includes a Personal Accident benefit and a free medical and counselling Helpline.

This offer is also available if you do not presently have private medical cover. Plus:

  • Prompt claims settlement.
  • There are No age restrictions.
  • If you already hold cover with another medical provider HMCA Insurance offer a Special Guaranteed Transfer Facility.
  • No Excess.
  • The family plan covers children in full-time education, or when single and living at home up to the age of 26.

You can enquire below or by telephone by calling 01423 799942.

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