HCMA invites members to take a look at its plans and compare the benefits and subscriptions offered with any existing plans they may have, explaining that they can transfer at any age and without a medical examination with no break in protection. It also provides a 14 day money-back guarantee.

The association, which is authorised and regulated by the Financial Conduct Authority, only deals with membership groups. It says this allows it to offer up to a 40% discount off the underwriter’s standard rates for a comprehensive plan that provides ‘generous’ cash benefits for surgery and other charges.

For more information go directly to the Partner Offers page on this website: https://craftguildofchefs.org/partners/partner-offers