HMCA

Just quality from start to finish. Simple, no fuss or complicated IT processes. Thank you for a quality, service.

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.

Really nice people to interact with , not a robot ? Very knowledgeable and helpfull

I consider myself to be a good judge of character. I can genuinely say that Elaine employed at HMCA is the most patient person that I have ever met, being most informative and professional. Elaine was instrumental in offering excellent advice and guidance within a totally alien environment to both my family and myself. Elaine went above and beyond, making the whole process incredibly easy, without any pressure at all. I'd throughly recommend HMCA to anyone looking to take out Health insurance as all of the fine detail is explained to the customer. Thank you Elaine for being so patient, providing great customer service and being an incredible asset to HMCA.

The process of joining was simple and easy and the people very friendly and helpful. Fortunately, I haven't had cause to use their services yet but I am hopeful the same will apply if I have the need.

It is a pleasant experience in communications with HMCA. The conversations have been informative, clearly answered the questions I had.

HMCA provide exceptional cover in comparison to some of the better known providers. And they provide that exceptional cover at a very reasonable price, again pricing being much better than the better known providers.

Associate was careful to talk thorough the advantages and limits of the plan and to offer alternatives on the payment options without pushing any agenda. Common sense and plain talking, much appreciated.

Telephone call answered quickly and clear answers given to my questions.

It was very easy to sort out with HMCA the service I required.

I have been contemplating moving from BUPA to HCMA for a while. Elaine was very patient with my questions and allowed me plenty of time to consider the pros and cons. We finally managed to include my adult children at a competitive rate with the compromise that there are now reasonable limits to the amount/value of treatment covered compared to BUPA. I hope that if I every need to make claim I will be provided with similar level of personal service.

Staff are very knowledgable, helpful and friendly. Good range of schemes.

I already had a medical plan with HCMA, but wanted to know more about the dental plan. I called for more information and it was explained to me in clear terms, as a result of which I signed up. The pack arrived in good time.

Good advice. Clear, understandable.

I have been speaking to Elaine Webster since before Christmas about joining HMCA. I couldn't join straightaway due to various circumstances but at every juncture, Elaine has been patient, informative and today, at last I've signed up. Elaine made the whole process incredibly easy, totally without any pressure and was a delight to chat to. I'd recommend HMCA so if you're deliberating over who to take out Health Insurance with, please speak to Elaine who will go above and beyond to help your decision and answer all your questions. Thank you Elaine for being so brilliant. A real credit to HMCA.

Information I required was provided in an efficient and friendly manner, resulting in me taking out a policy with HMCA.

No long waits on the phone. Very friendly. Good explanations. Excellent paperwork. Not the cheapest.

Great affordable health cover for normal people.

Helpful, friendly and efficient. Dealt with my new membership without a hitch.

We were looking for private health insurance when I saw an advert for HMCA. The cover they provide is very good for a good price.