HMS Healthcare
Your Health is our Business
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Personal Protection Solutions


At HMS we of course come across clients that require personal protection cover, as well as business, be it a family private medical insurance plan or life/critical illness cover to take the financial strain should life take an unexpected turn.

The types of policies we can offer are:
  • Level Term Assurance....pays out a level of benefit on death within a specific term.
  • Decreasing Term Assurance....pays out a reducing level of benefit on death within a specific term (normally associated with a loan)
  • Increasing Term Assurance....pays out an increasing level of benefit normally linked with RPI (retail prices index) which ensures the value of your plan keeps up with inflation.
  • Family Income Benefit....pays out a level of income on death for a fixed term.
  • Whole of Life....pays out a level of benefit whenever you die.
  • Critical Illness....pays out a level of benefit (normally after 14 days) if diagnosed with one or more of the specified illnesses or condtions from a list of approximately 40.
  • Serious Illness...similar to critical illness but covers more conditions and pays out a level sum based on the severity of the illness or condition.
  • Income Protection....pays an income should you be unable to work due to illness or injury.
  • Private Medical Insurance....avoid NHS waiting lists and receive the best medical treatment as an inpatient or outpatient in the comfort of a private hospital.
Whatever your circumstances we can tailor a policy to meet with your requirements.
87 . Chorley Road . Swinton . Manchester . M27 4AA
HMS Healthcare is authorised & regulated by the Financial Conduct Authority