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UK Private Health Insurance Review

Mutual friendly society founded 1868, owned by its members

National Friendly Health Insurance Review & Prices 2026

No max joining age until 85, with a 5-year rate guarantee

From£22/month
4.0Trustpilot (1.1k)
190+hospitals
5yrmoratorium

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Prices shown are indicative. Click through for an FCA-regulated quote directly from National Friendly.

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Who is National Friendly best for?

Older applicants (up to 85)
Rate stability
Easier switching terms

National Friendly Plans & Pricing 2026

Pricing below is indicative — derived from public brochure rate cards. Your actual premium depends on age, health history, region, and chosen excess.

My PMI — Level 1 Diagnosis Plus

basic
from£22/mo

Excess: £0, £100, £250

Outpatient coverOutpatient & diagnosis only, no inpatient
Cancer coverdiagnosis only
Mental healthnot included
Therapiesincluded
Dental & opticalnot included
NCD protectionnot applicable

My PMI — Level 4 Comprehensive

comprehensive
from£43/mo

Excess: £0, £100, £250, £500

Outpatient coverFull, unlimited cancer treatment
Cancer coverfull
Mental healthincluded (10 sessions/yr, outpatient only)
Therapiesincluded
Dental & opticalnot included
NCD protectionavailable — 5-year rate guarantee

Indicative pricing only. Prices shown are derived from public brochure rate cards and independent market research — they are not live underwritten quotes. We are a referral site, not a financial adviser. We may receive a referral commission when you take out a policy through a link on this site — this never affects the price you pay. Clicking through takes you to National Friendly's own FCA-regulated quote journey. Always read the policy documents before purchasing.