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.

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 client’s 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 at no extra cost, so you can offer your client additional, everyday value whether they claim on their policy or not.

Discover My HealthHero

My HealthHero is quick and easy to access either online or through the dedicated smartphone app. Available 24/7, My HealthHero helps your client manage their health every day, thanks to essential, digital healthcare services, wellness assessments and self-help content. Your client can also share some of these services with their 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 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*These benefits are allocated on an annual basis and are discretionary benefits which means they can be amended or withdrawn at any time.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 Member 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.

What is BF Care?

Financial support for your clients and their families through life-changing events

BF Care is our discretionary* benefits package. We include it with our insured Income Protection policies at no extra cost. BF Care allows your clients and their family to claim additional financial support during life changing events. The amount they'll receive depends on their 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. 

To access BF Care your clients need to be up to date on their monthly premiums and not taking a Premium Holiday.

*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 client's Income Protection benefit, up to a maximum of £2,000. When your client takes out a policy with us, they can choose who we pay their Death Benefit to in the event of their death.

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 your client hasn't already claimed Terminal Illness Benefit.

Bereavement Benefit pays up to a maximum of £2,000. Your client can claim Bereavement Benefit if their partner or spouse, or child aged up to 18, dies. 

Bereavement Benefit FAQs

Care Assistance Benefit

Care Assistance Benefit pays your client a weekly benefit of £125 for up to 13 weeks for their parents or parents-in-law, or up to 16 weeks for their partner, spouse, or child up to aged 18. We’ll pay this benefit if their 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 your client has claimed on their Income Protection policy following an illness or injury, and received their benefit for more than 6 months, then they may be entitled to Recovery Support Benefit. This benefit pays up to £2,000, to help support your client as they return to work. 

Recovery Support Benefit FAQs

Terminal Illness Benefit

Our Death Benefit and Bereavement Benefit also include a Terminal Illness Benefit option which is available if your client 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.