National friendly Health insurance

National Friendly Health Insurance

High level review:

Although you may not be as familiar with National Friendly as some of the other insurers in this review, that should not be a reason to dismiss them. In fact, they have also have some great offerings.

National Friendly focus on offering a fair and friendly service. One such way they achieve this is by not penalising you for claims. Any health insurance claims you make won’t affect your renewal premium for the first five years.

National Friendly’s Optimum policy provides a comprehensive hospital list and offers inpatient or outpatient cover – although these can be sold separately.

Voucher for switching healthcare insurance


Benefits Healthcare Clarity

** a £50 voucher for M&S or John Lewis will be sent to you after switching to a policy we recommend once you paid your second monthly premium to your insurer.

Other noteworthy points:

  • Unlike their competitors, National Friendly offer a to the client, which means that they do not take into account the clients claim’s history until the 5-year period has expired.
  • This plan is available from ages 18 years to 75 years, but it is aimed at the over 50’s market, where National Friendly feel that they are most competitive.
  • They do not load for CPME (switch) business.
  • If you opt for a zero excess, there is very little price increase to the premium.
  • Discounted price for taking out both inpatient and outpatient cover.

Things to consider:

  • No option available for full outpatient care with National Friendly, whereas other providers like AXA Health and Vitality will cover these in full with a limited out-patient option.
  • MRI, CT and PET scans come out of your outpatient limit.
  • Cancer cover doesn’t cover stem cell therapy and bone marrow transplants.
  • No option for mental health treatment.
  • Access to virtual GP 24/7.

National Friendly Key Benefits

National Friendly Optimum



In-patient and day patient treatment

Private hospital in-patient and day-patient treatment. This includes:

  • associated nursing care; 
  • drugs and dressings necessary to aid your recovery while a day-patient or in-patient; 
  • hospital accommodation costs; 
  • investigative procedures such as keyhole surgery and arthroscopy;
  • operating theatre costs; 
  • pre-operative tests; 
  • specialist fees for surgery, anaesthesia and physicians’ fees.


Out-patient treatment 

Diagnostic tests and consultations

Scans (including MRI, PET, CT) 

Out-patient surgery

Cancer cover

  • biopsies;
  • blood tests;
  • scans;
  • x-rays. required to diagnose your condition prior to active treatment.

What isn't covered?

Like all private health insurance providers National Friendly provide cover for acute conditions rather than chronic ones.  What medical underwriting you choose will also influence what you are covered for. As standard, National Friendly don’t cover: 

National Friendly Underwriting

National Friendly offer a few underwriting options on their health policies:

  • Full Medical Underwriting – where you disclose your medical history to National Friendly.
  • Moratorium Underwriting –  doesn’t require you to declare your full medical history upfront. Instead, it excludes cover for any conditions for which you have had symptoms, advice or treatment during the past five years. 
  • Continued personal medical exclusions (CPME) –  National Friendly will look to retain your current underwriting and continue to cover the same conditions. 

Hospital List

National Friendly offer a standard and extended option for hospitals.