National Friendly Health Insurance

Our over 50s private health insurance offers prompt appointments with private GPS and specialist consultants, providing quick diagnosis, and the reassurance of having access to one of the widest lists of private hospitals from any insurer, should you ever need treatment.

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Why National Friendly?



We are owned by our members and so our profits are invested in improving member benefits and services instead of paying shareholders.



Becoming a policyholder means you also become a member of our Society. Being a member gives you access to a range of benefits including discounted care advice from Grace Consulting and advice on wills and estate administration from the Co-op.


150 years together

We are proud to have stood the test of time and are still going strong after 150 years.

Why choose National Friendly’s private health insurance?

Optimum is a unique private health insurance that gives you flexibility with excess options, helping you to manage your premiums whilst providing cover for your healthcare needs. Optimum gives you a choice between two policies, an Out-Patient Plan or In/Day-Patient Plan, or you can take out both policies together at a discounted price.

Out-patient Plan

  • Prompt access to a private GP
  • Fast diagnosis with a specialist consultant
  • Mental health sessions with a counsellor or psychotherapist
  • Minor surgery for carpal tunnel decompression, joint injections and excision and cauterisation procedures
  • Diagnosis of heart and cancer conditions
  • Physiotherapy, acupuncture, osteopathy and chiropractic treatment
  • Cover of £2,000 per policy year
  • Excess options of £0, £100 and £250

In/Day-patient Plan

  • Private hospital in/day-patient treatments and operations
  • One of the widest lists of eligible hospitals available from any insurer
  • Hospital accommodation
  • Excess options of £0, £250, £500 and £1,000
  • Extensive range of heart and cancer treatments
  • Follow-ups and monitoring after surgery until your condition has stabilised
  • Cover of £250,000 per policy year

Over the last three years our medical claims management service has been rated on average 9.6 out of 10 by our members. Over the last 12 months this has increased to 9.7 out of 10.*

During 2018, our Customer Services team answered 91% of calls within 20 seconds.**

During 2018, our Customer Services team responded to 91% of written enquiries within 5 working days.***

*Based on 531 and 185 member respondents respectively.
**Based on 16,499 telephone calls
***Based on 27,904 cases completed