National Friendly were founded in 1868 as a mutual organisation. Originally they were formed to help working people to be able to pay for their healthcare. Enabling them to take care of themselves when they were suffering with poor health.

They are proud to remain a mutual organisation. The business offers a high standard of customer service for their members. Based in Bristol, National Friendly are 100% UK based. The service centre is staffed by a friendly team who are employed by National Friendly. They help their members to get the most out of the policy they have bought.

National Friendly are authorised to trade in the UK

National Friendly is a trading name of National Deposit Friendly Society Ltd and they are authorised and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). The Financial Services register number for the business is 110008.

In/Day Patient Treatment:

The Optimum In/ Day Patient private healthcare provides members with fast access to a range of in and day patient treatments and operations. This  includes heart and cancer treatment. The Optimum scheme does have an annual maximum monetary value. The policy does not have an No Claims Discount (NCD) applied. National Friendly offer their members an extensive hospital list which only excludes a small number of hospitals.

Underwriting types available from National Friendly

There are 3 types of underwriting available. These are Full Medical Underwriting, Continued Personal Medical Exclusions and Moratorium underwriting.

Excess Options:

Did you want to add an excess to your health insurance? The excess options available are £0 excess, £250 excess, £500 excess and £1000 excess. These options help you to keep the costs of your Optimum policy at an affordable.

Who is eligible for a National Friendly policy?

The Optimum In/Day patient plan is available to permanent residents of the United Kingdom*. You need to be between the ages of 18-75. They will allow the parent or guardian of children under the age of 18 to apply for a policy on their behalf.

*excludes the Channel Islands and the Isle of Man

National Friendly will only pay for treatments at the following hospitals if the Extended Hospital List has been selected:

Cromwell Hospital ▪ The London Clinic ▪ Harley Street at UCH ▪ Harley Street Clinic ▪ King Edwards VII’s Hospital – Sister Agnes ▪ The Lister Hospital ▪ London Bridge Hospital ▪ Portland Hospital for Women and Children ▪ Princess Grace Hospital ▪ Wellington Hospital

National Friendly Out/Patient Plan

The Optimum Out-patient plan is designed to offer members access to quick appointment for private GP and consultants. The out-patient policy provides cover for the following:

• out-patient diagnostics
• therapies
• minor surgery along
• mental health sessions
• consultations with a specialist and GP consultants.

The National Friendly Out-patient cover can help with the diagnosis of heart and cancer conditions.

There are three excess options available for the Optimum out-patient plan. These are No excess, £100 excess and £250 excess. There is a monetary annual maximum applicable to the claim on this policy.

National Friendly fee schedule

National Friendly set fee guidelines for all consultations and procedures. This confirms the amount that they will pay in relation to any treatment or consultation. They confirm that they are prepared to work with their clients where a specialist charges more than their fee guidelines. This enables the member to pay the difference or they will help to finding an alternative specialist that charges within their fee guidelines.

National Friendly also offer other health and protection products such as Assisted Living Insurance and Guaranteed Life Assurance. The National Friendly Life Assurance plan offers cover to UK residents between the ages of 50 – 80 years old. This plan offers guaranteed acceptance and no intrusive medicals or difficult questions.

Information sourced from the following literature:

• Key facts document IDP PS 11.18
• brochure IDP SB 08.17
• brochure OPPSB 08.17
• Key facts document OPP PS 12.17
• Brochure GLA SB 03.18