"Good all round service."

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

"Good product, good price"

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.

"Clear explanations given and my…"

Clear explanations given and my questions answered.

"The promise is a bit more than offer"

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"

Excellent service and information from the friendly team.

Smooth transition from former company

Many thanks

"Delay in getting authorisation ( needed…"

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"

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

"Excellent service"

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

"Helpful staff who actually engaged with…"

Helpful staff who actually engaged with you rather than repeating cliches

"Advertised as cheap but not cheap at…"

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.