HMCA Medical plan - worth it?

[Ray Singh]

Thanks for reading.

I worked for over 15 years in the private sector and had private medical insurance as part of my package. This was with Bupa and later Cigna.

I am now working in the civil service due to redundancy and do not have any perks such as this. Looking at taking out cover myself.

Bupa want £6k for my family (2 adults, 2 children) per year. I saw a offer from HMCA in a industry publication (IET magazine) and applied. They have come back with a quote of £2.2k.

Anyone here have medical cover with HMCA? Are they any good and do they cover the in line with Bupa Cigna etc?

Thanks

[craig1912]

£6k for four of you? You must be (how can I say this) an older parent.

I pay £180pm with Through a voluntary scheme- inc my wife and two children. Just looked at the HMCA plan and the benefit structure is a little old fashioned (was it their Medical Care Plan?) Have a close look at the limits (consultations, Physio etc.)

Get a quote from Aviva, AXA PPP & Simply Health (and Pru Health now called vitality)

[Sheepshanks]

Ray Singh said:

I am now working in the civil service..

I've idea of the scope of it, but don't you have access to Beneden?

[craig1912]

Sheepshanks said:

I've idea of the scope of it, but don't you have access to Beneden?

You can't compare Beneden (at approx£100 pa) to a fully comprehensive private medical plan

[Sheepshanks]

craig1912 said:

You can't compare Beneden (at approx£100 pa) to a fully comprehensive private medical plan

Sure - and I did say I didn't know the scope of it. But it might be adequate for the OPs needs.