Value-Added Services
Being insured by a mutual should feel good - not only because we don’t have any shareholders to pay, but because when your clients choose us they get more than just Income Protection. We offer access to extra support and rewards for your clients and their families every day whether they claim or not and at no extra cost through our discretionary Mutual Benefits and BF Care programmes. That’s why, at British Friendly, it really does feel good to be covered.
What is Mutual Benefits?
Everyday health, wellbeing and rewards for your clients and their families at no extra cost
Mutual Benefits is a discretionary programme available to both new and existing members at no extra cost which complements your clients’ Income Protection cover with us. Through Mutual Benefits we provide access to support and rewards for your clients and their families every day whether they claim or not.
What benefits are available?
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Clinic in a Pocket Fast access to healthcare services for your clients and their families
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Cash in your Pocket A chance for your clients to win £100 cash every month
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These benefits are allocated on an annual basis and are discretionary benefits which means they can be withdrawn at any time. To access these benefits, British Friendly members must be age 18 or older, up-to-date on premium payments and UK residents. Please refer to our Mutual Benefits Terms and Conditions here and our Mutual Benefits Privacy Policy here for more details.
What is Clinic in a Pocket?
The Clinic in a Pocket app, powered by Square Health, is one of our Mutual Benefits available to both new and existing members at no extra cost. Clinic in a Pocket gives your clients and their families fast access to GPs, clinicians, physiotherapists, counsellors, specialist consultants and a health check to help them and their families better manage their health and wellbeing.
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How to access Clinic in a PocketServices are allocated on an annual basis. To access them, clients can download the Clinic in a Pocket app for free on their smartphone or tablet from the App Store or Google Play. Once downloaded, they simply need select ‘register’ and enter the pin code sent to them by British Friendly via the Activation Invite e-mail or the Activation Guide.
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What is Cash in your Pocket?
Cash in your Pocket is one of our Mutual Benefits available to both new and existing members at no extra cost. It’s our way of saying thank you to your client(s) and rewarding them for simply being a British Friendly member.
Cash in your Pocket is an annual programme of cash draws worth £100 per winner with 5 winners randomly selected every month. The money they win can be used for anything whether that’s to offset the cost of their policy premiums, to cover some monthly expenses, to buy something they’ve been saving up for or to treat themselves or their family to a special meal or day out. Please note that individual members can only win once per month.
There is no need for your clients to register. They will be automatically entered into our prize draws every month if they are up-to-date on your premium payments. |
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Looking for Mutual Benefits pre-sale material?
Document downloads
Mutual Benefits Flyer Looking for Mutual Benefits post-sale material?
Document downloads
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Are clients eligible for Mutual Benefits?
Mutual Benefits is available to both new and existing members who are age 18 or older, up-to-date on premium payments and UK residents. Eligibility for individual benefits may vary – please read our full Terms and Conditions which you can download on our Added Value Services page. More information can also be found in the Clinic in a Pocket guide and Cash in Your Pocket guide.
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Who are Square Health?
Square Health are a private medical company who provide the Clinic in a Pocket services. Square Health are rated as “good” by the Care Quality Commission (CQC) and noted as “outstanding” with regard to patient safety. For more information about the CQC visit www.cqc.org.uk
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Where can I find more details about Cash in your Pocket?
Please refer to ‘Your guide to Cash in your Pocket’ for more details about this benefit.
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Where can I find more details about Clinic in a Pocket?
Please refer to ‘Your guide to Clinic in a Pocket’ for more details about this benefit and the services your clients can access.
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My clients are having trouble accessing the Clinic in a Pocket app. Who can I speak to for help?
If your clients have any issues downloading the app or accessing the services, please contact British Friendly’s Mutual Benefits Team on mutualbenefits@britishfriendly.com or call us on 01234 358 344 Monday to Friday between 9am-5pm. If your clients are able to access the app, but having technical issues accessing a particular service, they can access in-app details for technical support.
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Where do my clients find the Clinic in a Pocket activation PIN code?
Your clients can find the activation PIN code in the Activation Invite e-mail or the Activation Guide sent to them by British Friendly. If they can’t find this e-mail they can request the code from us by contacting our Mutual Benefits Team on mutualbenefits@britishfriendly.com or 01234 358 344 Monday to Friday between 9am and 5pm.
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Can my clients opt-out of Mutual Benefits?
Yes, if they wish to opt-out of the Cash in your Pocket draws they can contact our Mutual Benefits Team on mutualbenefits@britishfriendly.com or 01234 358 344 Monday to Friday between 9am and 5pm. If they wish to opt-out of Clinic in a Pocket, they can simply delete their account and app if they have already activated this service. They can also unsubscribe from receiving e-mail or SMS communications about Mutual Benefits at any time or simply contact us on mutualbenefits@britishfriendly.com or 01234 358 344 Monday to Friday between 9am and 5pm to opt-out of postal communications.
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Does it cost my clients anything to access my Mutual Benefits?
Mutual Benefits is available to both new and existing members at no extra cost. Additional costs may apply for certain services within Clinic in a Pocket outside their yearly allocation – please read ‘Your guide to Clinic in a Pocket’ for more details.
What is BF Care?
Financial support for you and your family through life-changing events
BF Care is a discretionary package which comes with your clients’ Income Protection policy at no additional cost. BF Care allows your clients and their families to claim additional financial support when life-changing events occur.
What's included?
Benefit |
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Payment Type |
Benefit Amount |
Claimable Event |
More Information |
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Death Benefit
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Lump sum |
26 weeks’ worth of Income Protection benefit (minimum of £1,000, maximum of £7,500) |
If your client dies |
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Bereavement Benefit
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Lump sum |
13 weeks’ worth of Income Protection benefit (minimum of £1,000, maximum of £2,500) |
If your clients' partner, spouse or child dies (up to age 18) dies |
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Terminal Illness Benefit
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Lump sum |
13 weeks (Bereavement Benefit option) or 26 weeks (Death Benefit option) of Income Protection benefit (minimum of £1,000; maximum of £2,500 for Bereavement Benefit and maximum of £7,500 for Death Benefit) |
If your client, their partner/spouse or child (up to age 18) is diagnosed with a terminal illness (expected to lead to death within 12 months) |
This benefit is an option for either the Death Benefit or Bereavement Benefit. See the relevant FAQs for more information |
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Care Assistance Benefit
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Weekly Payment |
Fixed benefit of £125 per week for up to either 13 weeks (Parents) or 26 weeks (Partner/Spouse/Child) |
If their partner, spouse child (up to age 18) or parent/ parent-in-law requires full time care. Care must be needed for 4 weeks or more and must relate to a condition which started after the policy was taken out. This cover expires on the members' 60th birthday. |
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Recovery Support Benefit
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Lump sum |
4 weeks’ worth of Income Protection benefit |
When your client returns to work after a long-term claim (lasting 6 months or more) |
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Frequently Asked Questions
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Who can I contact for more details about BF Care?
If you have any questions about these benefits give us a call on 01234 358344 or drop us an e-mail at enquiries@britishfriendly.com.
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How can my clients claim these benefits?
Your clients can claim these benefits by simply getting in touch with our Claims Team by e-mailing the relevant evidence to claims@britishfriendly.com. Please refer to the BF Care brochure or individual benefit FAQs for the full terms and conditions including the evidence required to make a claim. Please note there is no cash in value for these benefits.
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Does it cost my clients anything to access BF Care?
No, BF Care is available to both new and existing members at no extra cost.
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Are my clients eligible for BF Care?
Mutual Benefits is available to both new and existing insured members. Eligibility for individual benefits may vary – please read the relevant FAQ document for each benefit for more details.