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NHS Low Income Scheme (HC2 and HC3 certificates)

If you have a low income you can get full help (HC2 certificate) or partial help (HC3) with prescriptions, dental treatment, eye care, travel to hospital and more. You do not need to apply if you already get a benefit that gives you full help.

Applies to: England, Wales, Scotland, Northern Ireland

Go to the official website: nhs.uk

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Step by step

  1. Check you are not already entitled through a benefit such as income related ESA, Pension Credit Guarantee Credit or qualifying Universal Credit.
  2. Check your savings, investments and property (not counting your home) are under the limit.
  3. Apply online with the NHS Business Services Authority, or by post with form HC1.
  4. Send proof of your income, savings and housing costs. You can claim refunds of recent charges at the same time.
  5. Use your HC2 or HC3 certificate when you pay for NHS costs, and reapply before it expires.

What you need

  • Proof of your income (and your partner's).
  • Details of your savings and investments.
  • Proof of your housing costs, such as rent or mortgage, and council tax.
  • NHS receipts and refund forms (FP57 for prescriptions, HC5 for other costs) if you want money back.

Common mistakes

  • Claiming a refund too late: it must arrive within 3 months of the date you paid.
  • Letting the certificate expire and paying full charges without noticing.

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