Healthcare Scheme FAQs

These FAQ’s are designed to answer common questions following the recent communication about changes to your healthcare subscription.

Why have my Healthcare Scheme subscriptions increased?

Over the past year, the scheme has seen more claims than usual in your age group, combined with rising private medical costs and the effects of high rates of inflation. To continue providing you with the care and support you rely on, we now need to make an increase to your regular subscription.

When will the price increase take effect?

The increase to your subscription will start from the 1st June 2026. You don’t need to do anything; your payments will update automatically.

Will you keep increasing my subscriptions?

Our aim is always to keep any increases to a minimum and only review subscriptions when it is necessary to ensure the long-term sustainability of the scheme.

When we do review them, it is based on a combination of factors such as the overall cost of medical treatment, the number and value of claims made across the scheme in each age group, and wider economic conditions like inflation.

We are committed to continuing to offer a high level of cover and valuable benefits to our members. Any changes are carefully considered to ensure we can maintain the quality of care and support you rely on, both now and in the future.

We will always communicate openly with you in advance of any changes to your subscription.

How will this price increase affect my current membership benefits?

There will be no changes, you will continue to receive your usual level of benefits.

I have questions about my new subscription rate, what can I do?

If you would like to discuss this change, you can contact us using the details below:

  • Call us on 0151 242 7640 Monday to Friday between 9.00am – 5.00pm, selecting option 5 then option 2.
  • Please note, during busy times, you can email us to avoid wait times: [email protected].

How do I make changes to my Healthcare Scheme membership?

If you would like to make changes to your membership, you can contact us using the details below:

  • Call us on 0151 242 7640 Monday to Friday between 9.00am – 5.00pm.
  • Please note, during busy times you can email us to avoid wait times: [email protected].

Where can I find out more information about the Police Mutual Healthcare Scheme and what benefits it offers?

For more information on the Police Mutual Healthcare Schemes benefits, visit the healthcare section of the Police Mutual website here.

How do I make a claim?

To make a claim, contact the Police Mutual Claims Service, which is run by Healix Healthcare, to request authorisation prior to attending any consultation or treatment by calling 0208 049 8383 or email [email protected].

Members requiring treatment in Northern Ireland please refer to your welcome letter for claims contact details.