Friendly Shield Insurance

Friendly Shield is a straightforward accident and sickness protection plan. It’s designed for people who want real financial protection without the complexity of a traditional income protection policy. Whether you’re employed, self-employed, or running a business, Friendly Shield gives you a cash benefit if you’re involved in an accident, suffer a fracture, or are unable to work due to illness. You also get access to a virtual GP and dentist 24 hours a day, 7 days a week, included as standard at all levels of cover. Friendly Shield is fast to set up, competitively priced, and requires no medical questions for all applicants under 60.

Not all financial protection needs to last for years. Sometimes, what you need is a reliable safety net for the first few weeks and months after an accident or illness, to cover the gap while you recover and get back on your feet. Friendly Shield’s income benefit pays a monthly cash sum for up to three months if you’re unable to work due to an accident. An optional sickness benefit can also be added, so you’re covered whether your absence is caused by injury or illness. With a monthly income benefit of up to £2,250, you can keep up with your essential outgoings. So you’re able to pay your rent or mortgage, household bills, and everyday expenses.

If you have to stop working tomorrow, how long could you manage?
Statutory Sick Pay, the government support most employees fall back on, pays just £116.75 per week. For many people, that’s less than a third of what they need to cover basic living costs.

Friendly Shield fills that gap. With a monthly income benefit of up to £2,250, you receive a meaningful cash payment while you recover.

Friendly Shield isn’t just about protecting your income, it’s about knowing your family is taken care of too.
The policy includes Friendly GP+, giving you and your immediate family 24/7 access to a qualified virtual GP. Whether it’s a question about a child’s symptoms at midnight, or you need a referral quickly without waiting weeks for an NHS appointment, the virtual GP service is always there.
Friendly Dentist+ gives you round-the-clock access to virtual dental care, a real benefit at a time when NHS dental appointments are increasingly difficult to come by.
And if the worst were to happen, Friendly Shield includes an accidental death benefit that pays up to £85,000 from the moment the policy is active, as well as a natural death benefit of £2,500 after the policy has been in place for two years.
Spouse and child cover is also available, so you can extend Friendly Shield protection to your whole immediate family.

Friendly Shield is available at three levels, Bronze, Silver, and Gold, so you can choose the right amount of protection for your needs and your budget.

• Bronze is ideal if you’re looking for essential accident protection at an entry-level price. You’ll get £750 per month income benefit, £1,000 fracture cover, and a £45,000 accidental death benefit.
• Silver steps up your protection with £1,500 per month income cover, £2,000 fracture cover, and an £85,000 accidental death benefit.
• Gold gives you the maximum level of protection available, £2,250 per month income benefit, £3,000 fracture cover, and an £85,000 accidental death benefit.

All three levels include a £2,500 natural death benefit, Friendly GP+, Friendly Dentist+, and up to £1,000 rehabilitation cover as standard.

• No medical questions. Friendly Shield doesn’t require a medical history, so there’s no lengthy underwriting process and no risk of being declined due to pre-existing conditions.
• Guaranteed cover for under 60s. If you’re under 60, you’re guaranteed to be accepted, no fuss, no uncertainty.
• Independent, expert advice. Baker Hudson Health is a fully independent insurance broker. We work for you, not the insurer, so our only goal is finding you the right cover at the right price. Not sure which level is right for you? Our team is happy to help, just give us a call on 01453 297 100.