Unique new protection for your clients – simple, affordable and quick.
Friendly Shield provides short-term essential protection against unexpected accidents.
It is designed to provide a number of valuable protection benefits including an income benefit, fracture cover, hospitalisation benefit and both natural and accidental death benefit, plus a rehabilitation benefit to help your clients get back to work sooner following an accident.
Friendly Shield is simpler than other protection products on the market. It’s quick to apply for and quick to benefit from.
Friendly Shield won Highly Commended in the Best New Product/Enhancement category at the Protection Review Awards 2024!
This award celebrates our commitment to innovation and enhancing protection cover for your clients.
Best New Product / Enhancement (Highly Commended)
You can now add sickness cover to your client’s policy for additional cover beyond accidents.
This includes an income benefit should they fall ill and be unable to work, and a hospital cash benefit should they be admitted to hospital due to sickness and they need to stay overnight.
The table below outlines the sickness benefit payouts applicable for each of the 3 Friendly Shield levels.
| Bronze | Silver | Gold | |||
Income benefit |
£750 |
£1,500 |
£2,250 |
||
Hospital cash (£50 per night) |
£3,000 |
£9,000 |
£18,000 |
Any conditions your client has been treated for in the past 18 months won’t be covered in the income benefit. The hospital benefit starts after holding the policy for 9 months.
If your client chooses to add sickness cover, any spouse or child on their policy will be able to claim the hospital benefit for sickness, after holding the policy for 9 months, as well as accidental injury.
For clients aged 18-60. Your client can choose from 3 levels of cover from just 33p a day - bronze £10, silver £17 and gold £24.
Hospital cash: a cash benefit of £50 per night for any covered accidents (and sickness if selected) for up to 360 days.
Fracture cover: a lump sum benefit for fractures of bones up to £3,000.
Income benefit: short term accident only income protection up to £2,250 per month for up to 3 months (and sickness if selected).
Accidental death benefit: a lump sum payable on accidental death up to £85,000.
Natural death benefit: a lump sum payable on any cause of death of £2,500 after a 2-year qualifying period.
Friendly GP+: 24/7 access to a virtual GP for the whole family as standard and a wellbeing hub which includes confidential support for personal and work issues.
Rehabilitation benefit: a payment of up to £1,000 providing access to private facilities covering physical therapies i.e. acupuncture, physiotherapy, osteopathy and chiropractic treatment, follow-up scans and tests and consultations.
Optional cover for spouse and children.
| Bronze | Silver | Gold | |||
| Premium | £10 | £17 | £24 | ||
Income benefit - for up to 3 months |
£750 |
£1,500 |
£2,250 |
||
| Fracture cover | £1,000 | £2,000 | £3,000 | ||
Hospital cash (£50 per night) - maximum overnight stays in any policy year) |
£3,000 |
£9,000 |
£18,000 |
||
| Accidental death | £45,000 | £85,000 | £85,000 | ||
| Natural death | £2,500 | ||||
Additional sickness benefit |
Adds income benefit and hospital cash cover for sickness |
||||
| Rehabilitation benefit | Up to £1,000 in any policy year for all levels | ||||
| Friendly GP for the whole family | Included as part of core cover from policy opening Access to a Private GP any time day or night |
||||
Our virtual GP service, Friendly GP+, is a free added benefit to your Friendly Shield policy. It can be accessed over the phone or online 24 hours a day, 7 days a week.
This means you always have easy access to a doctor when you need their help.
Find out more about Friendly GP and Friendly GP+.
Friendly GP access is included immediately for members and their families (living at the same address) with the following policies:
If the GP decides your condition requires further investigation or treatment, they can issue an open private referral letter to enable you to access the health care you need.
You can conveniently book an appointment with a practising GP at a day and time that suits you. You can book digitally via The Friendly GP web app, or via the 24/7 telephone help
Appointments are available 24/7. You can book either a telephone or video consultation and choose whether to speak with a male or female doctor.
Should the GP feel you would benefit from prescription medication, the medication can be delivered to you at any UK address or to a nominated pharmacy of your choice. You will need to cover the costs of prescriptions.
The GP can also issue fit notes if necessary. You will need to cover the costs of the medication and delivery fees.
Aches and Pains helpline. Physiotherapists help restore movement and function in patients that have been affected by injury, illness or disability. They will do this by delivering personalised exercise plans and supporting you to be able to safely and independently complete a home exercise programme with verbal prompts and guidance.
Available from 8am – 8pm Monday Friday (excluding bank holidays)
Free Friendly GP+ access is included for members and their families (living at the same address) immediately with the following policies:
Aches and Pains helpline. Physiotherapists help restore movement and function in patients that have been affected by injury, illness or disability. They will do this by delivering personalised exercise plans and supporting you to be able to safely and independently complete a home exercise programme with verbal prompts and guidance.
Available from 8am – 8pm Monday Friday (excluding bank holidays)
Provides information and guidance on legal matters such as consumer rights, property, landlord/tenant, family and motoring law.
Support with advice for managers who are assisting their teams through any difficulties.
Guidance with money matters, including managing creditors, budgeting and debt management plans.
Provides information on a wide range of mental health and wellbeing related topics such as sleep, diet or exercise so you can start to improve your day to day life.
The Wellbeing Hub is a confidential and secure online resource available 24 hours a day to help you look after your mental health. With access to monthly newsletters, insightful articles and short videos, there are lots of ideas on ways to improve your day to day wellbeing.
Our Friendly GP+ service provides your client with peace of mind that they can access a GP for themselves and their family at any time, day or night.
Our members have rated the service:
for the overall experience they received as excellent, very good or good.
agreed they would recommend Friendly GP to a friend or colleague.
rated the helpline as 5 stars or 4 stars.
Data taken from reviews between January and May 2024.
To apply your client needs to be:
No, we won’t ask any medical or health related questions, which makes the application quick and simple, and acceptance is guaranteed regardless of medical history.
If sickness cover is included, any conditions your client has been treated for in the past 18 months won’t be covered in the income benefit.
The different types of benefit have different waiting periods. Please see the Policy Conditions or Policy Summary for more details.
Yes, your client can claim more than one benefit at a time. For example a leg fracture might necessitate an emergency hospital visit, qualify for fracture benefit and result in a claim because they cannot work for more than 14 days.
We cover a wide list of occupations but there are some we aren’t able to offer cover for.
To find out if we’ll be able to cover your client’s job, you can use our online quote tool if you have a login or give us a call on 0333 014 6244 and we can check for you.
Your client, and their family, has free access to our virtual GP service. It’s called Friendly GP+ and it can be accessed over the phone or online 24 hours a day, 7 days a week.
We’ll give the full details on how they can access it when they take out a policy or they can go to our Existing Members page to find out more.
If there’s anything else you want to know, please give us a call on 0333 014 6244 and we’ll be happy to help.
8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.
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National Friendly Financial Solutions
