Product review: Healthcare that has all the bases covered
This product has been reviewed by brokers and rated from one to five, based on the policy’s key benefits.
* - Poor
** - Average
*** - Good
**** - Very good
***** - Excellent
Product
One Fund
Underwriter
National Friendly
Commission paid
Initial - 25%
Renewal - 8% from year two onwards
Monthly clawback during first 12 months
Coverage
UK, extended to Channel Islands and Isle of Man
Minimum premium
£10 a month
Excess
One £40 excess per benefit category each policy year
Contact
Ian Talbot, head of commercial distribution
T: 0800 195 9246
Key benefits
• Provides an annual sum that planholders can spend on a range of
Only users who have a paid subscription or are part of a corporate subscription are able to print or copy content.
To access these options, along with all other subscription benefits, please contact info@insuranceage.co.uk or view our subscription options here: https://subscriptions.insuranceage.co.uk/subscribe
You are currently unable to print this content. Please contact info@insuranceage.co.uk to find out more.
You are currently unable to copy this content. Please contact info@insuranceage.co.uk to find out more.
Copyright Infopro Digital Limited. All rights reserved.
As outlined in our terms and conditions, https://www.infopro-digital.com/terms-and-conditions/subscriptions/ (point 2.4), printing is limited to a single copy.
If you would like to purchase additional rights please email info@insuranceage.co.uk
Copyright Infopro Digital Limited. All rights reserved.
You may share this content using our article tools. As outlined in our terms and conditions, https://www.infopro-digital.com/terms-and-conditions/subscriptions/ (clause 2.4), an Authorised User may only make one copy of the materials for their own personal use. You must also comply with the restrictions in clause 2.5.
If you would like to purchase additional rights please email info@insuranceage.co.uk
More on Broker
Blog: Can Biba sustain the momentum?
Biba's CEO, Graeme Trudgill, has hailed the organisation’s 2025 Manifesto as “the most successful one Biba has ever undertaken”. The question now is whether the trade body can maintain this impetus amid ambitious aspirations.
Hedron to support brokers on ‘talent crunch’
Hedron Network has launched Hedron People, a support framework to help independent brokers attract new talent, develop existing teams, and retain key staff.
Liiba lists 2026 agenda
The London and International Insurance Brokers’ Association has put accelerating growth in a softening market and reinforcing London’s position as the world’s leading specialty insurance centre at the heart of its agenda for 2026.
Acrisure completes UK broker rebrands
Acrisure has rebranded Russell Scanlan and WH&R McCartney, completing its programme of renaming its UK brokers.
Clear makes vet broker first deal of 2026
Clear Group has kicked off 2026 purchasing specialist veterinary insurance broker Shire Insurance Services, strengthening its UK retail pillar.
Uris enters Northern Ireland home insurance market
Midas, part of Uris Group, has expanded its Midas Jewel household product into Northern Ireland.
Ardonagh launches pan-European MGA
Ardonagh Europe has launched Dublin-headquartered Orvia Underwriting, a pan-European managing general agent.
Biba to open AI Academy
The British Insurance Brokers’ Association is working with Markel to offer an AI Academy for the trade body’s members.