These Medical Plans are designed to provide various benefits for the treatment of acute conditions following a visit to your GP, where the NHS is unable to provide you with the treatment you need at a time, or location, which is convenient for you.
HMCA's view is that whilst the NHS is a resource available to all, it does not treat everything in the place and time that suits you or your family.
Certain types of treatment, such as emergency admissions to A&E, radiotherapy or chemotherapy and management of long-term illnesses, are very costly and are always provided by the NHS, so, to keep our subscriptions low, they fall outside the scope of the Medical Plans private benefits. However, the plans do pay cash grants towards radiotherapy or chemotherapy and for each night spent as an NHS patient. See the policy terms for further details.
HMCA understands that everyone's needs are different which is why we have arranged three levels of Medical Plan with HMCA Insurance Limited, Gibraltar.
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 or a John Lewis gift card. In addition the plan includes a Personal Accident benefit and a free medical and counselling Helpline.
This offer is also available to you if you do not presently have private medical cover. Plus:
HMCA Insurance Ltd authorised and regulated by the Financial Services Commissioner for Gibraltar.
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.