HMCA

Clear explanations given and my questions answered.

The promise is a bit more than the actual service offered, as with many companies selling servcies or goods when one drills into the offer. So, for example, the health cover overseas, only applies if you are resident in the country when your health need arises. Also, reliance on the Proposing Insured to do a lot of chasing previous PMI records from many years previous.

Excellent service and information from the friendly team. Smooth transition from former company Many thanks

Delay in getting authorisation ( needed prompting) and a delay in getting payment which will require prompting having received no acknowledgment of email sent to them containing receipted bills

The staff I spoke to were helpful, supportive and knowledgable about my query.

From start to finish our call was handled professionally, friendly & informative

Helpful staff who actually engaged with you rather than repeating cliches

Advertised as cheap but not cheap at all. I've been with my current provider for 30 years and have always been happy with them, but at the last renewal my monthly premiums went up by £25 a month so i wondered whether HMCA might be cheaper. Not at all. Quoted price per month for their basic plan was £110 a month MORE than I am currently paying, and there are limits on the amounts you can claim for surgery, consultants etc. So despite their long waits on the phone I still rate Aviva worth staying with. I would suggest anyone considering private health insurance for the first time to get several quotes from different companies and compare benefits as well as costs. Also i am over 70 which does not seem to increase my premiums by a huge amount with my current provider, but it probably does matter to HMCA who just did the quote based on my application.

Everything seem excellent so far and we have come from Bupa to you, however let’s hope everything is great if Gill or myself need treatment or are unwell Regards Kevin and Gillian cowan

After contacting HMCA, I now fully understand regarding the claim form , The help and support they gave me I must say I will definitely recommend to my friends. and family They deserve the 5 stars

When setting up the Medical Cover the customer service representative was clear, friendly and helpful. This made the whole experience quicker, easier and pleasant. Customer Service staff are a credit to the HMCA. We have not had to access medical services as yet under the policy but hope to see the same level of cover and service if ever this becomes necessary.

I have only recently joined HMCA so my rating is based on this process. The documentation provided sets out very clearly what you get. There was no pressure when speaking to staff, only very friendly but efficient responses to queries. I feel confident from reading reviews from other members that this level of service will be the same when I need to use my policy.

The process of joining HMCA health insurance was a joy compared to other companies because: The person I was dealing with was patient, factual, no pressure contrary to other companies, explained all the options open to me regarding exclusions and the HMCA plans and did not knock other companies offers..

Very helpful and knowlegable lady called Ruth. Sense of humour also, and not in a rush.

The ladies I spoke to on several occasions were very helpful. They were friendly and knowledgeable and were able to answer any questions I had.

The personal touch. The cover suits us for the moment and is comparable to those of other providers. We liked reductions for paying for six months at a time. The booklet is very clear on what you get and queries are answered clearly. It was good having our telephone calls answered straight away and the quality of the customer services was outstanding.

Very pleasant member of staff who explained all you need to know to move forward with the process.

Great Customer Service

Friendly, efficient, professional and very informative. Would recommend HMCA service is 5 🌟 thankyou

We have received excellent support from our current private health insurers. The renewal premium was subject of a substantial increase. This coincided with a letter and brochure from HMCA with an estimate based on correspondence the previous year. Being hearing impaired it was very helpful to be able to follow this contact up by email. Eventually we became involved in a friendly follow up telephone call. Their representative spoke to us clearly inviting us to provide update and details of our medical history and medications. The HMCA estimate was confirmed as still being valid. To avoid misunderstanding we asked that this information, confirming the details under which the offer was made, were confirmed in writing. This seems normal procedure with other quotations but has yet to be provided. An added reason for this request was a "doom and gloom" email we received from our current insurer warning us what competitors left out or their cover or the restrictions they would apply and the consequences of changing our current policy. Some those concerns were reflected in a few of the TrustPilot reviews that are posted here. It is outstanding customer and team support that the Directors and Underwriters are now involved in assessing our concerns and other points raised in TrustPilot reviews UPDATE 28th November 2023. HMCA did not respond to this review. It is only within the last week that I have received a final decision from a Director of HMCA in response to my concerns. Such a final letter is needed before outstanding issues can be presented to the Financial Ombudsman Service. This original five star review has therefore been downgraded to one star.