Private Medical Cover and other benefit plans

The Hospital & Medical Care Association (HMCA) offers special negotiated rates for trade and professional group members including the Association of Optometrists in respect of private medical cover and other benefits summarised below.

HMCA Medical Plus Plan

Provides benefits in respect of the cost of hospital treatment for acute medical conditions, with a saving of up to 50%* for members.

*50% is based on actual savings made by members transferring to HMCA.

Special features include:

• No moratorium and no excess
• An extensive choice of hospitals
• Sporting activities – no exclusions
• Overseas cover – included as for the UK
• Medical Information Helpline Service providing help on a wide range of medical topics from qualified medical staff
• Special transfer facility from any similar plan

Other HMCA Benefits for AOP members:

HMCA Hospital Sickness & Injury Cash Plan

• Units of £40 available up to a maximum of £200 per night
• Double benefits apply when hospitalised overseas
• Maternity grant of up to £4000 when both parents have been members of the scheme for over 12 months
• The Dental Plan provides cover for routine examinations, hygiene, x-rays and remedial and restorative treatment with a private dentist. Cover is also provided for emergencies, accidents and oral cancer.
• Income Protection Plan ensures that, in the event of loss of earnings because of serious illness or accident, you will still have income. A tax-free benefit of up to £1000 is payable each month, after 90 days, for up to 5 years, whilst you are unfit to work.
• Medical Travel Plan provides medical expenses cover up to £5 million when you travel overseas. You can cover single trips or have annual cover. Also covered are cancellation and curtailment, delayed departure, loss of baggage and cash, personal accident and winter sports.
• Term Life Plan provides your family with a lump sum of £20,000 if you die, whatever the cause. The monthly subscription remains the same throughout the 10 year duration of the plan.
• Personal Accident Plan provides up to £150,000 cover, 24 hours a day, 365 days a year. The plan offers an excellent combination of valuable protection and low cost and is eminently suitable either at home or abroad.

HMCA Information Helpline

For full details of these benefits call our helpline on 01423 866 985 or visit the HMCA website at

www.hmca.co.uk/aop.htm