National Friendly launches Friendly Health

National Friendly has announced the launch of Friendly Health, an innovative entry-level healthcare product designed to make health insurance affordable for UK consumers and provide new opportunities and value for protection advisers.

Key features include: 

• Three simple cover levels: bronze, silver and gold. 

• Fast application: takes five minutes with no medical questions or underwriting, making it an inclusive option for clients who may not qualify for traditional health insurance. 

• Affordable: premiums start at £4.15 a week. 

• Range of unlimited benefits:  24/7 virtual GP access, online dentist, and dietitian access. 

• Reassuring diagnosis pot: cash amount to contribute to consultations, scans and tests. 

• Claims guidance: claimants keep same claims handler throughout the claim 

Friendly Health has been created in direct response to National Friendly’s own consumer research showing that more than one in three people (39%) see full private medical insurance (PMI) as a luxury they cannot afford*, while only 14% of UK adults currently hold private health cover**. Research1 conducted by National Friendly also found that almost one in three (29%) of consumers consider dental cover a key factor when choosing a healthcare policy.

Friendly Health is designed to help advisers extend their client offering beyond financial protection, opening up new opportunities and strengthening client relationships without needing to be a healthcare specialist. 

Available in three tiers – Bronze, Silver and Gold – Friendly Health provides advisers with a simple, transparent product that can be tailored to client needs while keeping the application process efficient and straightforward. It’s a fast, simple add-on to any protection conversation, helping advisers position themselves as holistic protectors of client wellbeing. 

Applications can be completed in five minutes, thanks to a non-underwritten, simple age-banded pricing structure, making the product easy for advisers to recommend and straightforward for consumers to understand and the premiums don't change as a result of the client’s age increasing each year.

Friendly Shield benefits

“The launch of National Friendly’s Friendly Health is timely.  Our own research shows that health anxiety is real with one in five people losing sleep over fears of not being able to access the healthcare they need. 

What’s more, over a quarter of people have already self-funded treatment in the past five years with diagnostic tests and scans, injuries, and mental health services the most common reasons for doing so. 

Friendly Health has been designed following consumer research; its features and pricing can help to fill the healthcare gap.  With a flexible use diagnostic pot for tests, scans and consultations; mental health counselling, physio, dentist and GP access as standard plus health home test kits and personal nurses with its silver and gold levels it provides an affordable, yet benefit rich, alternative.  We support the fact it encourages proactive health management for today and reassurance for tomorrow if a client’s health changes.” Ian Sawyer, Commercial Director, Howden Life & Health 

Adviser quote: "Friendly Health can potentially fill a gap in the market as a budget option for customers who would otherwise be priced out of the market. Due to the product's flexible tiered outpatient options that are available, customers will be able to obtain a level of health insurance cover at an affordable price, especially if they may not be able to afford fully comprehensive cover. Friendly Health also provides additional benefits such as offering digital health support and dental services." Sam Sainty, Product Manager, Active Quote 

Adviser quote: "It’s fantastic to see National Friendly bring something genuinely new to the market. We already talk to clients about protecting their income if they can’t work, but this product lets us go a step further by supporting their everyday health too. It means we can now offer a more rounded protection package, combining income protection with affordable healthcare, giving clients extra reassurance and value without stretching their budgets. We are already excited to introduce this  to our clients!" Jamie Cullen, Director, Secure for Life 

Graham Singleton, National Friendly CEO, said: “Friendly Health represents healthcare done differently. It’s simple, inclusive, and designed to be easy for advisers to recommend and for clients to understand. There are no medical questions, no underwriting, and no barriers, just straightforward access to everyday health support that everyone can benefit from. This is through proactive healthcare access to health checkups and preventative support, with a reassuring cash pot for consultation, scans and tests if clients’ health changes. Our research shows people want affordable, practical healthcare options that fit modern lifestyles, and Friendly Health delivers exactly that. Friendly Health bridges that gap.”  

Friendly Health is available now via the National Friendly website https://www.nationalfriendly.co.uk/health