You apply once and get a certificate: HC2 for full help, or HC3 for partial help. People on certain benefits do not need to apply at all.
Quick facts
- Covers
- Prescriptions, dental, eyes, travel, wigs
- Savings limit
- £16,000 (£23,250 in a care home)
- Full help
- HC2 certificate
- Partial help
- HC3 certificate
- Certificate lasts
- 6 months to 5 years
What it covers
The scheme covers prescription costs, dental costs, eyecare costs, healthcare travel costs, and wigs and fabric supports.
Who can get it — the full rules
You can apply for the scheme as long as your savings, investments or property (not including where you live) do not exceed the capital limit.
In England, the limit is £16,000, or £23,250 for people who live permanently in a care home.
The rules governing who's eligible are broadly the same as those for a means-tested benefit. But the assessment also takes into account council tax and housing costs, so you can get help with health costs even if your income is too high for a means-tested benefit.
Full help or partial help
Depending on your circumstances, you can receive full help (HC2 certificate) or partial help (HC3 certificate).
If your income exceeds your requirements, you may be entitled to partial help. Your certificate will show how much you have to pay towards your health costs.
When you do not need to apply
You do not need to apply if you or your partner get income-related Employment and Support Allowance, Pension Credit Guarantee Credit, or Universal Credit and meet the criteria. These already give full help with health costs.
How to apply
There are 2 ways to apply for the NHS Low Income Scheme (LIS). You can apply online or by post.
To apply by post you'll need to complete an HC1 form and send it to the address on the form.
Certificates are usually valid for between 6 months and 5 years, depending on your circumstances.
Common questions
What does the NHS Low Income Scheme cover?
Prescriptions, dental costs, eye care costs, healthcare travel costs, and wigs and fabric supports.
What is the savings limit?
£16,000, or £23,250 if you live permanently in a care home.
What is the difference between HC2 and HC3?
HC2 gives full help with health costs. HC3 gives partial help and shows how much you have to pay.
How do I apply?
Online through the NHS Business Services Authority, or by post on an HC1 form.