HMCA
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Until recently I had been an HMCA…
Until recently I had been an HMCA member for a couple of years at around £1300/yr. 28 years ago after 45 years of excellent health since birth I became ill with Lupus which is an immune system disorder. I recovered from that and continued to work as an airline Captain always passing the stringent biannual medicals at initial checkup. Last year I became ill with what proved to be kidney failure and this necessitated nearly 4 weeks in hospital. This was later diagnosed as having been triggered by the immune system. HMCA refused to pay out anything due “previous disorder”. I had been expecting £2,600. 28 years of this not having occurred before counted for nothing in their eyes. I still question the logic. Consider this: you fall off your bike as a kid and maybe break a leg; nearly a full lifetime later you have a hospital stay for a hip replacement. The doctor considers that a factor is the damage of decades previous although it has given no trouble since. Would you think it right that no payout gets made? The body is a construction of interacting muscles and organs.The result of the HMCA logic I faced suggests that you can only feel securely covered by their insurance if you have had almost perfect health since birth. That rules out most people.