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

HMCA is a UK-based provider of private medical and health plans, established in 1978. The company specializes in offering straightforward and affordable healthcare coverage exclusively to members of various trade, professional, and membership groups. By not advertising to the general public, HMCA is able to maintain lower prices while delivering high-quality medical cover tailored to the needs of its members. Targeting individuals seeking private health insurance, HMCA's plans feature no age limits and do not require medical exams for enrollment, ensuring easy access to necessary healthcare services. Members have the flexibility to choose their preferred hospitals and specialists, enhancing their overall treatment experience. With a commitment to exceptional customer service, HMCA processes 90% of claims on the same day, providing efficient support to its members when they need it most.
HMCA receives high praise for its friendly and helpful service, with many reviewers highlighting the professionalism and knowledge of the staff. Customers appreciate the straightforward process of joining and the clarity in communication, often noting how quickly their calls are answered and how informative the staff are.
Positive experiences include seamless claims processing and excellent coverage at competitive prices, making HMCA a favorable choice for many. However, there are some critical voices expressing frustration with the complexity of the online forms and delays in treatment, particularly affecting elderly members. Despite these concerns, the overall sentiment remains largely positive, with a strong emphasis on quality service and support.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.5 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Aug 2025.
| Month | Average | Reviews |
|---|---|---|
| Oct 24 | 5.0 | 1 |
| Nov 24 | — | 0 |
| Dec 24 | — | 0 |
| Jan 25 | — | 0 |
| Feb 25 | — | 0 |
| Mar 25 | 5.0 | 1 |
| Apr 25 | — | 0 |
| May 25 | — | 0 |
| Jun 25 | 5.0 | 1 |
| Jul 25 | 2.0 | 1 |
| Aug 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Following my review of last August (2024) when I had joined them”
“It also cost him £2,600 for the private scan he required when it was believed that he'd be having the surgery done pr...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Shopping & Fashion.
| Company | Overall | Legit | Service | Value | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.5 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | 4.5 out of 5 (good) | — | 60 | |
| 1.3 out of 5 (poor) | 100 out of 100 | 1.2 out of 5 (poor) | 1.1 out of 5 (poor) | — | 1,000 | |
| 2.9 out of 5 (fair) | 100 out of 100 | 2.5 out of 5 (poor) | 1.6 out of 5 (poor) | +4% | 1,000 | |
| 4.9 out of 5 (good) | 100 out of 100 | 5.0 out of 5 (good) | 4.9 out of 5 (good) | +2% | 397 | |
| 2.6 out of 5 (poor) | 100 out of 100 | 2.2 out of 5 (poor) | 1.8 out of 5 (poor) | +12% | 368 |
Bottom line: HMCA is #2 of 5 on overall rating in this group. On value, Red Run scores higher (4.9 vs 4.5).
60 reviews of HMCA. Filter by what matters to you.
No long waits on the phone. Very friendly. Good explanations. Excellent paperwork. Not the cheapest.
Helpful, friendly and efficient. Dealt with my new membership without a hitch.
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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
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
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 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.
HMCA is a UK-based provider of private medical and health plans, established in 1978. The company specializes in offering straightforward and affordable healthcare coverage exclusively to members of various trade, professional, and membership groups. By not advertising to the general public, HMCA is able to maintain lower prices while delivering high-quality medical cover tailored to the needs of its members. Targeting individuals seeking private health insurance, HMCA's plans feature no age limits and do not require medical exams for enrollment, ensuring easy access to necessary healthcare services. Members have the flexibility to choose their preferred hospitals and specialists, enhancing their overall treatment experience. With a commitment to exceptional customer service, HMCA processes 90% of claims on the same day, providing efficient support to its members when they need it most.
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