Our Value-Added Services

Our Income Protection policies can help take away financial pressures when our members become too ill or injured to work, but we wanted to do more. That’s why we offer our value-added services.

Discover why it feels good to be covered with British Friendly.

My HealthHero

Everyday health and wellbeing services, at no extra cost

British Friendly have partnered with HealthHero to offer our valued members access to My HealthHero. As one of our discretionary* value-added services, this is available to all members and complements your income protection policy by offering easy and convenient access to a range of digital health and wellbeing services.

And the best part? Access is included with your income protection at no extra cost. So that’s extra, everyday value, whether you need to claim on your policy or not.

Tell me more

My HealthHero is quick and easy to access either online or through the dedicated smartphone app. It’s accessible 24/7, to help you manage your health at a time to suit you. My HealthHero offers access to essential, digital healthcare services, wellness assessments and self-help content. And you can even share some of these services with your partner/spouse and children, for family-wide care.

Here’s what’s included
•    Unlimited digital GP Appointments
•    Unlimited digital Women’s Health Appointments 
•    6 digital Physiotherapy Sessions per year*
•    6 digital Mental Health Support Sessions per year
•    6 digital Dietitian Appointments
•    2 digital Second Medical Opinions per year
•    1 annual, optional, home Health Check at a discounted rate

For full details on all the services available, please view our handy guide, below. 

HealthHero User Guide

*These benefits are allocated on an annual basis and are discretionary benefits which means they can be amended or withdrawn at any time. To access these benefits, British Friendly members must be up to date with their premium payments, aged 18 or older, and UK residents. Please refer to our Value-Added Services Terms and Conditions here and our Privacy Policy here for more details.

*This service offers a self-pay option for members who have used 6 sessions and wish to continue treatment.

Financial support for you and your family through life-changing events

BF Care is our discretionary* benefits package. We include it with our Income Protection policies at no extra cost. BF Care allows you and your family to claim additional financial support during life changing events. The amount you’ll receive depends on your Income Protection benefit, and the £2,000 cap we apply.

For more information, including full Terms and Conditions around eligibility and claims, take a look at our BF Care Guide, below.

BF Care Guide

Each BF care benefit offers something different:

• Death, Bereavement, Terminal Illness and Recovery Support Benefit provides a lump sum payment.
• Care Assistance Benefit provides a weekly payment. 

If you’re an insured member, who hasn’t commuted their membership, you can access our BF Care benefits. You just need to be up to date on your monthly premiums and not taking a Premium Holiday. (This means you’re not taking a temporary break from paying your premiums).

*We offer discretionary benefits as a way of giving value back to our members. These benefits can be amended and/or withdrawn at any time.

Take a look at the extra support we offer, below.

Death Benefit

Death Benefit offers a lump sum of 26 weeks’ worth of your Income Protection benefit, up to a maximum of £2,000. When you take out a policy with us, you can choose who we pay your Death Benefit to in the event of your death. Losing a member of the family is always hard. Death Benefit can help take some of the financial stress away from your loved ones.

Death Benefit FAQs

Death Benefit Nomination Form

Bereavement Benefit

Bereavement Benefit offers a lump sum of 13 weeks’ worth of Income Protection benefit. It can be claimed once per member, as long as you haven’t already claimed Terminal Illness Benefit.

Bereavement Benefit pays up to a maximum of £2,000. You can claim Bereavement Benefit if your partner or spouse, or child aged up to 18, dies. This benefit gives you some financial breathing space, following the death of a close family member.

Bereavement Benefit FAQs

Care Assistance Benefit

Care Assistance Benefit pays you a weekly benefit of £125 for up to 13 weeks for your parents or parents-in-law, or up to 16 weeks for your partner, spouse, or child up to aged 18. We’ll pay this benefit if your family member needs full time care for at least 4 weeks.

Care Assistance Benefit is available to those who have taken out their Income Protection policy between 18-54 years old. This benefit ends on the member’s 60th birthday.

Care Assistance Benefit FAQs

Recovery Support Benefit

If you’ve claimed on your Income Protection policy following an illness or injury, and received your benefit for more than 6 months, then you may be entitled to Recovery Support Benefit. This benefit pays up to £2,000, to help support you as you return to work. This allows you to focus on getting back to business following an extended time off recovering.

Recovery Support Benefit FAQs

Terminal Illness Benefit

Our Death Benefit and Bereavement Benefit also include a Terminal Illness Benefit option which is available if the member or their partner, spouse, or child aged up to 18, receives a terminal diagnosis (an illness or condition which is expected to lead to death within 12 months). A separate claim for Death Benefit or Bereavement benefit cannot be made if a Terminal Illness Benefit payment has been made. Terminal Illness Benefit pays up to a maximum of £2,000.