Medical Saver Plan

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

Frequently Asked Questions

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.

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.

Full details of the benefits available with the Medical Saver Plan, including the Insurance Product Information Document (IPID) and rules will be sent to you as part of your enquiry pack.

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

Medical Saver Plus Plan

With any HMCA Plus Plan you 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.