Care Cash Plans

Illustration of the HMCA hospital cash plans
HMCA offer two low-cost Cash Plans should you be admitted to hospital.


HMCA have arranged two low cost Cash Plans underwritten by HMCA Insurance Ltd, Gibraltar. These plans are unique and are only available through HMCA for members of trade, professional and membership groups. Low cost subscriptions irrespective of age or occupation and no health questionnaire or medical examination is required.

Care Starter Cash Plan

The HMCA Care Starter Cash Plan provides tax free cash towards your unexpected medical expenses, paid directly to you. Cash benefits include hospital admissions, day-case admission, dental, optical, consultations, x-rays, scans, physiotherapy and complementary medicine. Benefits also continue whilst travelling in the EEA providing up to €16,355 of cash benefits.

Care Cash Plan

The HMCA Care Cash Plan provides cash for you and your family’s medical expenses with enhanced benefits to the Care Starter Plan.

HMCA Cash Plan Benefits

A summary of the cash benefits available to you are listed below and full details will be sent upon enquiry.

  • Pays tax free cash to you to spend as you wish.
  • Cash benefits available up to €16,355 per year
  • Dental benefits
  • Optical benefits
  • Specialist services benefit:
    • Consultations
    • Pathology
    • X-rays
    • Scans
    • Physiotherapy
  • Hospital cash benefits including
    • Day case benefits
    • Pays double benefits for accidents when in hospital.
    • Private ambulance
    • Prescriptions
    • Maternity grant
  • Over 10 specialist benefits & grants including a 24 hour medical information telephone helpline.
  • Has 24 hour protection in the European Economic Area (EEA).
  • Special guaranteed transfer facility.
  • Complementary Medicine cash benefit includes:
    • Osteopathy
    • Chiropractic
    • Acupuncture
    • Homoeopathy
    • Chiropody
    • Podiatry
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