The Forces Mutual Healthcare Scheme is a dedicated Military healthcare scheme set up for members of the Forces family designed to help cover the cost of private healthcare and eligible medical treatments following an illness or an injury.
This healthcare scheme allows you to access treatment at a range of private UK hospitals and facilities and can significantly reduce the time spent waiting for diagnosis or necessary medical procedures.
The Forces healthcare scheme is a discretionary arrangement financed by the subscriptions of its members and is not an insurance product.
Unlike traditional insurance, which operates on fixed claim criteria, this healthcare scheme assesses claims on a case by case basis in line with the scheme rules, allowing a more flexible and member focused approach to Forces healthcare.
Why choose Forces Mutual Healthcare Scheme?
The Forces Mutual Healthcare Scheme supports the health and wellbeing of Military families by providing access to private healthcare alongside the use of the NHS, bringing together members across the UK.
There are no medical tests or check-ups required to join, just a friendly team to help you with your and your family’s healthcare.
The healthcare scheme provides the following benefits
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 £9.27 per month for the first 12 months and then £18.53 per month thereafter.
Additional members are charged at the normal rate.
To find out how much your monthly subscription will be:
*50% Discount Offer: Terms & Conditions apply click here for full details.
The 50% discount offer is available to UK residents aged 18 to 64, You must be eligible for Forces 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.
- 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)
- Faster access to diagnosis and treatment – supporting quicker diagnosis and treatment compared to standard NHS waiting periods.
- 24/7, 365 GP Line Access — with no limits
Pre-existing conditions (in the five years prior to joining the scheme) chemotherapy & radiotherapy, dental or emergency treatments and cosmetic surgery are not covered.
Important things you need to know
The Forces Mutual Healthcare’s (PMHC) healthcare scheme is discretionary and is not an insurance product. It is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority and therefore is not covered by the Financial Ombudsmen Service or the Financial Services Compensation scheme.
The Healthcare Scheme is provided by PMHC Limited trading as Forces Mutual, more information is available on our legal page.
Menopause Related Support
Information and guidance tailored to your symptoms and overall health.
Mental Health Support
Confidential access to professionals experienced in stress, trauma, fatigue and frontline pressures.
Nurse-led claims support
Each claim is assessed based on its needs and when clinical input is required, experienced nurses are on hand to help.
A dedicated claims team from Healix Health
Specialists who keep the process smooth, fast and stress‑free.
Levels of membership
The healthcare scheme offers four levels of membership, allowing you to choose the option that best suits your circumstances:
- Individual – cover for the member only
- Couple – cover for the member plus a spouse, partner or civil partner who is co-habiting
- Single Parent Family – cover for the member, plus any dependent children under the age of 18. The member pays for the first child (under 18) and any additional children are free. The child does not need to live with the member, but the member must have parental responsibility or legal guardianship.
- Family – cover for the member, a co-habiting spouse or partner and dependent children (including Step-Children) up to age 18.
Main Member Benefit: 50% Discount Applied
New prices available, effective from 1 October 2026
The below prices include the 50% discount for the main member subscriptions for 12 months*. Additional members are charged at standard rates. Prices correct as at 1 October 2026.
The amounts in this illustration are based on current subscription levels. These are subject to change.
| Age: | 18-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 |
|---|---|---|---|---|---|---|---|---|---|
| Individual | £9.27 | £13.17 | £15.93 | £26.00 | £31.25 | £35.50 | £48.88 | £63.38 | £67.50 |
| Couple | £25.95 | £36.87 | £44.60 | £72.80 | £87.50 | £99.40 | £136.86 | £177.46 | £189.00 |
| Family | £35.95 | £46.87 | £54.60 | £82.80 | £97.50 | £109.40 | £146.86 | £187.46 | £199.00 |
| Single Parent Family | £19.27 | £23.17 | £25.93 | £36.00 | £41.25 | £45.50 | £58.88 | £73.38 | £77.50 |
Age: 18-24
- Individual £9.27
- Couple £25.95
- Family £35.95
- Single Parent Family £19.27
A Healthcare Scheme Built for the Military Community
Faster access to diagnosis and treatment
- One of the key benefits of private healthcare is reduced waiting times. The scheme helps members access eligible private treatment at a range of private UK hospitals and facilities, supporting quicker diagnosis and treatment compared to standard NHS waiting periods.
Wide ranging healthcare support
- The healthcare scheme provides support for a broad range of medical needs. This includes inpatient and day patient treatment, private hospital care and access to 24/7 GP consultation service.
Simple, flexible membership
- With no medicals, just a friendly team to help you, the healthcare scheme is straightforward and accessible. Members can choose from 4 membership options and manage costs through a clear monthly subscription, helping to make military private healthcare more achievable at every stage of life.
What’s included
In-patient and day patient treatment
- Private hospital charges paid in full subject to annual benefit limits for treatment covered by the scheme. Please refer to the Scheme Healthcare rules for full details of what is included in your membership
Consultation and treatment fees
- For surgeons, anaesthetists and physicians
Outpatient treatment
- Consultations covered up to £1,500 a year
- Diagnostic procedures (including pathology, X-rays, ECGs and all medical scanning techniques covered up to £2,500 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 £750 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
Chemotherapy & Radiotherapy 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 surgery or treatment which relates to or is connected because of a previous cosmetic or aesthetic surgery or treatment
Healthcare Scheme Documents
These products are provided by PMHC Limited trading as Forces Mutual, more information is available on our legal page.
Need to make a Healthcare claim?
Our Claims Team is here to support you every step of the way – from guidance on what’s covered to help with your claim process.
Mon-Fri 8am-6pm
We’re here to help
Our Sales and Service team can help with setting up your membership, subscriptions, queries about your membership, or complaints (not related to claims).
Mon-Fri 9.00am-5.00pm
Need to speak to a GP?
As part of your Healthcare membership, you can speak to a UK-based doctor by phone or video.
Telephone GP: 0845 222 8591 (24/7)
Video GP: pmhc.gpsurgery.uk.com (Available 8am–10pm, 7 days a week)
Have your member number ready when booking
Your Healthcare Scheme questions answered
You will need to have spoken to a GP (either your own or via the GP line from Health Hero) to get an open referral. Once this is done you should contact the Forces Mutual Claims Service, which is run by Healix Healthcare to authorise your claim and arrange your initial consultation.
Members within their first two years of membership who require a report before a claim can be processed must have this completed by their own GP.
No, the scheme only covers treatment within the UK & Isle of Man.
Yes, it includes mental health support such as consultations and outpatient treatment, subject to the scheme’s terms and approval.
Any condition you had in the five years before joining is excluded. If you stay free from advice, medication, or treatment for two continuous years after joining, it may then be covered.
You will need an open referral from your GP to attend a consultation. If you are in your first 2 years of membership you will also need a GP report to confirm your claim isn’t for a pre-existing condition*.
It is important you contact the Forces Mutual Claims Service, which is run by Healix Healthcare, to request authorisation to attend a consultation by calling 0208 049 8387. Members living in Northern Ireland, please refer to your joining information for claims service contact details.
Once agreed, the Forces Mutual Claims Service will transfer you through to a booking line or arrange the appointment directly at one of the approved hospitals to arrange the appointment.
Where treatment is required, you should contact the Forces Mutual Claims Service to request authorisation for the recommended treatments or tests on 0208 049 8387 or email [email protected]
The Forces Mutual Healthcare Scheme is a membership scheme where you pay a monthly subscription to access private medical treatment. It helps towards costs for consultations, tests, hospital care and physiotherapy. If NHS treatment is provided, then a cash benefit may be payable if the treatment meets eligibility. You need to get approval before treatment (a member contribution is payable for the first claim of each scheme year).
If you leave or retire from the Armed Forces, please tell us so we can update your personal details. You can still stay a member of the scheme and keep your cover by paying through Direct Debit.
You’ll find a full list of exclusions in the Healthcare Scheme Rules.
The Forces Mutual Claims Service use a number of hospitals across the UK. If a procedure is not available at one of these hospitals, they will try and find a convenient alternative for you.
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.
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, please refer to the Scheme rules for the full details
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 members.
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.
The Forces Mutual Claims Service may write to your GP for information before they can authorise any treatment.
See the Healthcare Scheme Rules for a more detailed definition.
No, we’re not insurers. The Healthcare Scheme is a discretionary scheme. This means that the scheme has been set up by and for members of the Military family. 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 on 0151 363 5290.
If your complaint is regarding your healthcare membership please email [email protected] or call 0151 363 5290.
If your complaint is regarding the Forces Mutual Healthcare Claims Service please email [email protected] or call 0208 049 8387.