Your form is impossible to complete due…
Your form is impossible to complete due to having to dab on a calendar to submit your date of birth ! Being born in 1952 and having to go back from the present , month by month means you have to dab approx 73 ( years ) x 12 ( months ) = 876 dabs !?? BUT it gets even worse because the furthest I managed to get back was to around 1980 and then the form decides to revert back to present day !!! I tried 4 times only for this seriously annoying form to revert back to present day every time ! It's a wonder I haven't got a blister on my finger ! Tel 07586525180 ( One really annoyed prospective customer . )
Cost an elderly man money & delayed treatment
I really DO NOT recommend this company based on my recent personal experience. I should add the disclaimer that my poor experience may well be connected to the level of cover that my father has but my 92 year old father is an intelligent person who has been completely bewildered by the low level of cover offered and I believe that the marketing for this policy is misleading.
Essentially, a week ago my father discovered, out of the blue, that he urgently required heart surgery - a procedure called a TAVI. This was on Friday morning. He told the consulatant cardiologist that he has medical insurance so he was booked in for surgery on the following Wednesday and put in his claim with HMCA. The surgery was unable to occur because HMCA were nowhere near making a firm confirmation of cover, despite the fact that I informed them that my father's life was in danger. Eventually, after pressure from me and numerous phone calls from the consultants PA, confirmation of cover was made on the following Friday. It was £16.075 maximum on a surgery that was estimated at £64,000. In addition, the consultant's PA warned me that should there by ANY further costs due to complications or extended stay in hospital, the insurance would not cover any of that.
My father is thankfully now having the procedure done, tomorrow, on the NHS.
This insurance accomplished nothing other than delaying my father having the surgery he urgently needed for a week and causing enormous stress for him and extra work for myself and the consultants PA in trying to move the claim along. It also cost him £2,600 for the private scan he required when it was believed that he'd be having the surgery done privately and the utterly pointless £2,000 he'd paid again recently for his annual payment to HMCA.
The claims handlers that I & the PA spoke to were pleasant enough but made no effort to expedite anything without being pushed. The man I spoke to said - after I'd explained that my father's heart condition was 'beyond severe' - things like 'the claim is at the underwriters, hopefully they'll come back to us soon'. I had to tell him that that 'hopefully' wasn't acceptable until he volunteered to phone the underwriters. The whole conversation was like that.
I cannot for the life of me see any benefit to a policy that offers such a low level of cover and I feel that my father has been misled and taken advantage of. I don't know how many years he's been paying for this insurance but he may as well have burned that money for all the use it's been. He's never made a claim before.
Faultless
Following my review of last August (2024) when I had joined them. This month (June 2025) I unfortunately had to claim. I paid for the treatment upfront and submitted the claim and receipts yesterday. Today I received confirmation that they have paid me the total directly into my bank. I am flabbergasted. What a brilliant service. I have in the past been with BUPA - absolutely terrible, then with Axa - outrageously expensive and very bureaucratic. HMCA are in a league of their own. If they are prepared to take you on – don’t hesitate.
