Bristol-based mutual National Friendly has upped the maximum benefit on its Optimum In/Day-Patient Plan from £250,000 to £1,000,000. In addition, new policyholders can opt to have an extended hospital list, which covers central London hospitals. According to the insurer, 48% of its current Optimum policyholders live in Greater London.
The Out-Patient Plan has also been improved, giving customers a choice of either a £2,000 or £5,000 cover limit each policy year, albeit again with an increased premium.
The insurer offers two private medical insurance policies and between them they cover prompt access to a GP or consultant for diagnosis, a variety of outpatient treatments and a range of private inpatient and daypatient treatments and operations.
Comment: The increases in maximum cover will both be welcomed, although National Friendly has also upped its premiums too. Offering an optional extended hospital list also makes sense, especially as almost half its customers live in Greater London.
Plus points: Higher financial limits; Optional hospital list covers more expensive London hospitals.
Not so plus points: Premiums have risen; Not everyone will want the higher cover levels; Some limits.
Rating (max 10): Overall: 7.5. Silver
Tags: PMI; National Friendly
I Mark: No