Healthcare Scheme

Private healthcare for you and your family

  • 50% discount*The Healthcare Scheme is a discretionary scheme set up for members of the Police family to help with the cost of private medical treatment when you need it, in the event of an illness. It allows you access to treatment at a range of private UK hospitals and facilities including those provided by Nuffield, Spire and Circle Health Group, and can reduce time spent waiting for diagnosis or necessary medical procedures.

    There are no medicals, just a friendly team to help you with you and your family's healthcare.
  • The scheme currently provides cover for over 16,000 Police Officers, staff and their family members, with the following benefits:
  • Up to £30,000 in-patient / day patients treatment per year
  • The treatment year runs from 1 January to 31 December (for treatments that are covered by the scheme)
  • High quality medical facilities
  • Private rooms with en-suite facilities
  • 24/7 GP Consultation Service, available to Healthcare members
  • The Healthcare Scheme is provided by PMHC Limited trading as Police Mutual, more information is available on our legal page.
Quote & Apply   >
50% Discount Offer*

50% discount off the subscription rate for the main member for the first 12 months. Prices depend on your age but, for example, an 18-24 year old would pay £13.50 per month for the first 12 months and then £27 per month thereafter.

Additional members are charged at the normal rate.

To find out how much your monthly subscription will be:

Click the ‘Quote & Apply’ button, enter the date of birth of the main member and select the ‘type of membership’ you require.

*50% Discount Offer: Terms & Conditions apply click here for full details.

The 50% discount offer is available to UK residents aged 18 to 65, You must be eligible for Police Mutual products. The offer is only open to customers who are new members of the PMHC scheme and who have not benefitted from a PMHC offer previously.

 

Levels of membership


The healthcare scheme offers 4 levels of membership:

  • Individual – member only
  • Couple – member plus Spouse, Partner or Civil Partner (co-habiting)
  • Single Parent Family – member plus any dependent children residing at the same address as the member and under the age of 18
  • Family – member plus Spouse/Partner (co-habiting) and dependent children (including Step-Children) up to age 18


To find out how much your monthly subscription will be:

Click the ‘Quote & Apply’ button, enter the date of birth of the main member and select the ‘type of membership’ you require.

As a member of the Healthcare Scheme, you can access a range of private UK hospitals and facilities from our approved providers:

Nuffield HealthSpire HealthcareCircle Health Group

What's included

  • In-patient and day patient treatment

    Private hospital charges paid in full subject to annual benefit limit and a treatment covered by the scheme. Please refer to the Healthcare rules for details of what is not included in your membership.
  • Consultation and treatment fees

    For surgeons, anaesthetists and physicians
  • Outpatient treatment
    Consultations covered up to £600 a year.
    Diagnostic procedures (including pathology, X-rays, ECGs and all medical scanning techniques covered up to £1,000 a year.
    Treatment (including physiotherapy, osteopathy, chiropractic, psychiatry and psychology where provided by a practitioner recognised by the Police Mutual Healthcare Scheme) covered up to £600 a year.
  • Nursing at home
    Covered up to £1,000 a year (following in-patient or day case treatment and provided by a registered nurse under the direction of a specialist).
  • Cash benefit
    For non-emergency NHS treatment which is covered by the scheme, members can receive £250 per night (up to a maximum of 21 nights per year).
  • Accompanying adult accommodation
    Including up to £25 per night for up to 10 nights per year for one parent or guardian accompanying a dependent under 10 years old, where the child is covered under their membership.
What's not included
  • Pre-existing conditions: any condition that you have had in the five years prior to joining the scheme (that has been treated, or you were aware of, but didn't seek medical advice, attention or treatment before joining the scheme, or any illness, injury or condition as a result of a known untreated condition which arises at any time whether prior or after such date) will be excluded. If you remain free from advice, medication and treatment for a continuous period of two years after your membership starts, the pre-existing condition can be considered for treatment.
  • Cancer treatments: we cover consultations, tests and operations with a surgeon in relation to cancer but don’t cover chemotherapy, radiotherapy or ongoing consultations with an Oncologist
  • Dental treatments: any dental procedure including orthodontics
  • Emergency treatments: any treatment following an emergency admission or transfer from an NHS hospital
  • Cosmetic surgery: any cosmetic or aesthetic surgery or treatment or and surgery or treatment which relates to or is connected because of a previous cosmetic or aesthetic surgery or treatment

 

For a full list of what is not covered please refer to the Healthcare Scheme Rules.
Open Quote

We're here to help

We're here to help - 01543 441 630
Call 01543 441 630
Mon-Fri 8.30am - 5.00pm
Arrange a callback
Send a message: healthcare@pmas.co.uk
Close Quote

Historical Products

Healthcare Scheme documents

It is important you understand all of the Rules and exclusions of the Police Mutual Healthcare Scheme before considering applying.

Your Questions Answered Your Healthcare Scheme questions answered

  • You’ll find a full list of exclusions in the Healthcare Scheme Rules.
    • It is important that you call the Healthcare team on 01543 441 630 before you attend any appointments or receive any medical treatment you think you may need to claim for. Dependent on the nature of your claim we may be able to authorise it straight away and accept your member contribution payment.
    • You will need an open referral from your GP to attend a consultation. If you are in your first 2 years of membership we will also need a GP report to confirm your claim isn’t for a pre-existing condition*.
    • Once authorised, Police Mutual will transfer you to one of our approved hospital networks to arrange your appointment with an appropriate consultant. We will also send you a claim form to take to your appointment to record any recommended tests or treatments, including procedure codes, discussed with your consultant.
    • Once your claim form has been completed you should call 01543 441 630 and if we are able to, we will approve the recommended tests or treatment verbally over the phone and accept your member contribution payment. Treatment can then go ahead.
    • If we are unable to approve the recommended tests or treatment verbally over the phone we may ask you to return the claim form to us via email to healthcare@pmas.co.uk or by post to Healthcare team, Police Mutual, Building 3, Lichfield South, Birmingham Road, Lichfield, WS14 0QP. We will then review your claim. Following review, we will call you to advise whether the recommended tests or treatment have been authorised, and if they have, to accept your member contribution payment. Treatment can then be received.

    *A pre-existing condition is any medical condition that you were aware of, or ought reasonably to be aware of prior to joining the scheme, even if medical advice has not yet been sought. For the pre-existing condition to be eligible for cover you will need to have had a period of five years without medical attention for it.
  • We cover consultations, tests and operations with a surgeon in relation to cancer but don’t cover chemotherapy, radiotherapy or on-going consultations with an Oncologist, as these are readily available on the NHS.
  • We have preferred provider contracts with particular hospitals and will try our best to use these whenever possible. However, if a procedure is not available at one of these hospitals, we’ll try and find a convenient alternative for you.
  • Cash benefits are only available for planned NHS admissions and must be at least a one-night stay.
    The cash benefit is not payable following emergency admissions or if your NHS stay is due to a procedure that the Scheme would not cover privately. You can claim £250 per night up to a maximum of 21 nights in any financial year.
  • There’s only one level of cover only and the annual limits apply to every member of the scheme.
  • You can include your spouse or partner you’re living with and dependent children including step-children, up to the age of 18 years.
  • They are invited to join the scheme in their own right and are entitled to the same benefits as serving Officers.
  • The scheme is open to all Police Officers, PCSOs, Special Constables, Police Staff and their immediate families. To be eligible for the scheme you must be aged under 65 when joining.
  • Once your membership of the Healthcare Scheme starts, any new condition (normally covered by the scheme) would be considered for treatment.

    Any pre-existing condition that you had in the five years prior to joining the scheme (that has been treated, or you were aware of, but didn't seek medical advice, attention or treatment before joining the scheme, or any illness, injury or condition as a result of a known untreated condition which arises at any time whether prior or after such date) will be excluded. If you remain free from advice, medication and treatment for a continuous period of two years after your membership starts, the pre-existing condition can be considered for treatment.

    We may write to your GP for information before we can authorise any treatment.

    See the Healthcare Scheme Rules for a more detailed definition.
  • No, we’re not insurers. The Healthcare Scheme is a mutual, discretionary scheme. This means that the scheme has been set up by and for members of the Police family, with no shareholders looking to make a profit. All the members pay in to provide cover when it’s needed for each other.

    It's discretionary, because each case is looked at on an individual basis to see what help is right for that member. To make sure decisions are fair, the scheme has rules that guide which treatments are covered and what's not. But unlike private medical insurance, there are no 'hidden' extras or payments for 'extra' cover. Just one simple price for each member.
  • If you decide you would like to resign your Healthcare membership, you can do so by telephone, email or post. A notice period of 30 days will apply from the date that you notify us. Please refer to the Scheme Rules or contact us for full details.