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NHS Low Income Scheme (HC2 / HC3)

Free or reduced-cost NHS prescriptions, dental treatment, sight tests, glasses and travel-to-hospital costs for people on low incomes who don't already qualify automatically.

Official linksLast verified 28 April 2026

Who it helps

People on low incomes (working-age, just-under-retirement-age, or in care homes) who don't already get automatic NHS exemption via age, pregnancy, certain medical conditions, or means-tested benefits.

The full picture

The NHS Low Income Scheme (LIS) issues a certificate that gives you free or reduced-cost NHS health-cost help when your income is too low to comfortably pay full charges. It's a fall-back for people who don't already get free NHS care via age, condition, or means-tested benefits.

Three certificates: - **HC2** = full help (free prescriptions, dental, sight tests, glasses vouchers, travel to hospital) - **HC3** = partial help (you pay a fixed contribution, NHS pays the rest) - HC1 is the application form (no certificate value itself)

When LIS matters most: - England (where prescription charges are still in place — £9.90 from April 2026) - People over 60 who don't yet have Pension Credit - People between 16 and 60 who don't qualify automatically via UC, Income Support or other passport benefits - People in care homes who pay for their own prescriptions

In Scotland, Wales and Northern Ireland NHS prescriptions are free for everyone, so the scheme matters mainly for dental, sight tests, glasses, wigs/fabric supports, and Healthcare Travel Costs.

The certificate lasts up to 12 months. Renewal requires a new HC1 form. Many people apply once in retirement to bridge the gap before Pension Credit, then move onto automatic entitlements.

Worth knowing before you apply

  • England: NHS prescription charge is £9.90 from April 2026 — most relevant nation for HC2/HC3
  • Scotland, Wales and NI have free prescriptions for everyone — LIS still matters for dental, glasses, travel
  • Apply via the HC1 form (paper only) — order from a GP, pharmacy, dentist, optician or by phone
  • HC2 = full help; HC3 = partial help (you pay a smaller fixed contribution)
  • Certificate valid up to 12 months — apply for renewal before it expires
  • Stack with Healthcare Travel Costs Scheme — the HC2 certificate is direct evidence
  • You may already qualify automatically — pregnant women, under-16s, over-60s in some nations, certain medical conditions, and people on UC / PC do not need an HC2
  • A successful HC2 also retroactively refunds NHS charges paid in the previous 3 months — keep your receipts

How to claim

Order an HC1 form from your GP, pharmacist, dentist, optician, or call 0300 123 0849. The form asks about household income, savings and outgoings. Send it to NHS Help with Health Costs in Newcastle. Decisions usually take 2–4 weeks; you receive an HC2 or HC3 certificate, valid up to 12 months.

Last verified 28 April 2026
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