HCM

HCM specialise in the private medical insurance and Trust markets as independent brokers.

We advise and therefore do not sell one particular PMI product.

Agencies with all major names along with lesser known insurers.

Company and Individual policies are equally important to us.

Our schemes are tailored to the indivuals or companys specific requirements.

So, if you already have cover why not let us check it for you as, since we do not charge a fee.There is nothing to lose, but much to gain !

Contact us on 08000 933 750
or fill in our request form for a fast quotation

..our services

Medical Insurance Management is specialised, yet there are only a handful of Independent Health Insurance Intermediaries Nation-wide. HCM offer specialist impartial advice to both Individual and Corporate clients and the Principal has done so for over 15 years.

We are members of AMII, (the Association of Medical Insurance Intermediaries) and Regulated by the F.S.A. (the Financial Services Authority Reg No 308925.) working strictly within their Regulations. With year round managing we automatically review plans, in order that our Clients feel confident that they always have the most suitable medical insurance for their needs at the most competitive premium,

The Health Insurance market offers a vast array of differing plans that can be confusing for policyholders, let alone those considering a plan. Our aim is to find the right scheme to fit your requirements, so that you are confident with the policy.

First time cover can be obtained with FULL MEDICAL UNDERWRITING, or on straightforward MORATORIUM TERMS. Under certain circumstances a change of existing Provider may be achieved on CPME or PUT “Switch Terms”. HCM are very careful to discuss all these aspects so that we can make sure that a client has the best possible cover and investigating participants’ prior health/claims situation to ensure that cover will not be lost.

Being appointed adviser to an existing scheme can often allow us to reorganise cover with the Insurer, negotiating and advising on their differing schemes.

We also advise on Annual Income Protection, Long Term Care, Dental plans, World-wide Medical Insurance and World-wide Travel Insurance.

In short, a full service, that does not incur charges. Remuneration is via Commission from whom we place business on your behalf.

With sixteen years experience of medical insurance we at HCM will ensure that at your annual renewal you will have the right information, be aware of any policy changes and benefit from our help and assistance at all times. We strive to provide a personal service which is both unbiased and independent from all insurance providers.