Protecting your clients when it matters most.
An overview of our claims for 2023
Members are at the heart of everything we do
As a mutual our members are at the heart of everything we do, and we think being insured by a mutual should feel good. That’s why we work hard to support our members when things go wrong, whether it’s paying a claim on an Income Protection policy or providing additional support through our discretionary Mutual Benefits or BF Care programmes.
Our claims breakdown
of all claims paid over the last 18 years * based on new Protect and Breathing Space claims in 2023.
999 new claims accepted in 2023 £4.9m total amount of new claims paid in 2023 73% of claimants were male* 20 age of our youngest claimant* 68 age of our oldest claimant* 27% of claimants were female* 89%
all claims paid
2023 94%
of
in
Our top reasons for claim in 2023
Our most common claimant occupations in 2023
13% Covid-19 54.95% Musculoskeletal conditions 13% Covid-19 7.21% Surgery (not covered in other categories) 7.91% Chest/Lung/Nose/ Throat
Factory Worker HGV Driver Builder 5.41% Mental Illness 5.41% Cancer
Broken bones? Lost income?
We’ve got you covered
Since introducing the option to add Fracture Cover to all new policies last year, it’s positive to see that we’re already able to provide support to some of the members who added this benefit within just a year of its launch.
£6,000
A total of: £11,500
3 was paid out to our members through Fracture Cover in 2023
members claimed on their Fracture Cover policy in 2023
Upper Leg (Femur)
Lower Leg (Tibia)
Hand (Metacarpal)
£4,000
£1,500
More than just Income Protection
Our Income Protection policies will take away financial pressures when our members become too ill or injured to work. But we wanted to do more. That’s why we designed our Mutual Benefits and BF Care programmes.
BF Care
BF Care is our discretionary benefits package. We include it with our Income Protection policies at no extra cost. BF Care allows your clients and their family to claim additional financial support during life changing events.
Total amount of money paid out through BF Care in 2023
£ 142,796
13 members claimed Care Assistance Benefit 12 members claimed Bereavement Benefit 15 members claimed Death Benefit 2 members claimed Recovery Support Benefit 2 members claimed Terminal Illness Benefit
Clinic in a Pocket
Clinic in a Pocket is part of our discretionary Mutual Benefits programme, and it offers all British Friendly members free access to a range of health and well-being services. Here’s how we helped our members throughout 2023.
1,782 Total uses
548
“We’re proud to support our members at every step of their journey with us, and our key focus is paying valid claims as quickly as possible. We offer further support to members during their recovery and rehabilitation through our Mutual Benefits and BF Care programmes. These are designed to offer our members fast access to additional health, wellbeing and financial support at no extra cost. Alongside our optional cover products, including Fracture Cover, we’re proud of our comprehensive Income Protection package and look forward to supporting many more members throughout 2024”. Maxine Jannetta, Head of Claims, British Friendly
Health Check kits ordered 609 Digital GP Consultations 422 Physiotherapy sessions 190 Mental Health Support sessions 13 Second Medical Opinions British Friendly Society Limited is incorporated under the Friendly Societies Act 1992. Registered Office: 45 Bromham Road, Bedford MK40 2AA. Registered No. 392F. It is a member of the Association of Financial Mutuals. British Friendly Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority Ref: 110013.