National Friendly Health Insurance Review 2026: My PMI Cover, Cost & Verdict

Overview

National Friendly is a Bristol-based mutual founded in 1868. Its My PMI product takes an unusual approach to pricing: premiums follow a five-year contract structure under which your own claims don't push up your renewal price mid-term — increases follow the community of members rather than your personal claims record.

It also has the highest maximum joining age in the market at 85, making it one of very few options for older first-time buyers, and includes 24/7 remote GP access.

Reviews & ratings

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Strengths

Joiners accepted up to age 85 — the market's highest
Five-year pricing structure: your own claims don't raise mid-term renewals
Community-rated pricing smooths increases
24/7 remote GP access included
Mutual society run for members

Things to consider

Mental health cover is limited (outpatient sessions only, no inpatient)
Lower NHS cash benefits than rivals
Fewer options for reducing the premium

Who is National Friendly best for?

Older buyers other insurers turn away, and anyone who values premium stability over rock-bottom starting prices.

What does it cost?

From £67/month. Indicative for a 30-year-old, 2026. Community-rated pricing with a five-year price promise structure.

Frequently asked questions

Can I get health insurance in my 70s or 80s?

Yes — National Friendly accepts new joiners up to age 85, the highest limit in the UK market. Premiums at older ages are significant, and pre-existing conditions will be excluded under the underwriting terms, but for many older buyers this is one of the only realistic routes into private cover.

What does 'community-rated pricing' mean?

Instead of repricing you individually based on your claims, National Friendly adjusts premiums across its whole membership. Combined with its five-year contract structure, this means claiming on your policy won't single you out for a steep personal increase at renewal — a genuine difference from most of the market.

What are the limitations of My PMI?

Mental health cover is the main one: you get a limited number of outpatient sessions and no inpatient psychiatric cover, which is weaker than Bupa or Freedom. NHS cash benefits are modest, and there are fewer excess and discount levers than bigger insurers offer. Comparing against your priorities matters.

Compare National Friendly side by side

See National Friendly next to another insurer — Defaqto rating, Trustpilot score, price, underwriting and key benefits in one table.

Is National Friendly right for your situation?

Our guides explain what to look for depending on your age, health and who needs cover.

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Dr Compare provides general information about private health insurance and introduces enquirers to authorised insurance intermediaries. We do not give financial advice or personal recommendations. Product details, prices and waiting time figures are indicative, based on publicly available information, and may change — always check policy documents before buying. Guide prices for private treatment are illustrative and vary by provider, location and individual circumstances.

National Friendly Health Insurance Review