Income Protection Plus

Illustration of the HMCA income protection plus plan
HMCA Income Protection Plus ensures that in the event of loss of earnings, because of serious illness or accident, you will still have income.


If you found yourself unable to work due to accident or illness, could you afford to keep up with your financial commitments whilst you recover? Income Protection Plus provides you with a tailored plan that pays you a regular income should you find yourself off work due to injury or illness, an income that will help you pay the bills whilst you recover.

Why Income Protection Plus?
In the last three years 97% of all claims to the insurer have been eligible for payment, with such payments to claimants exceeding £2.5m.

No waiting period
Your policy can start as soon as your first contribution is paid.

Tailored to suit you
Build your plan to suit your individual needs.

No penalties
Your subscription costs are not loaded at all by claiming.

No limit on claims
No cap on the number of claims you can make.

And the Plus..

Protect today and save for tomorrow – As well as providing you with an income protection plan that ensures you receive a regular monthly income for an affordable monthly cost, it builds up an investment element for your future. Furthermore, whilst we protect your income, we also include an enhanced Loyalty Bonus* that aims to provide a minimum capital sum of £10,000 and six months income benefit to your family if you die.

Also, in addition, the Paycare GP 24/7 app has been designed to provide users with access to professional advice and guidance wherever you are - so you can speak to a UK based practising GP 24 hours, 7 days a week. Plus, the Paycare confidential Telephone Counselling service is available when you need a little extra support.

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* Applies to existing members as well.