Working with leading UK insurance providers

What is Non-Medical Insurance?

Non-medical Insurance policies provide a simple and accessible way to protect yourself and your family without the need for medical examinations, extensive health questionnaires, or GP reports. Allowing cover to be arranged quickly and efficiently.

Many non-medical policies, including selected MetLife & National Friendly products, provide protection against a range of unexpected life events, such as accidental injuries, fractures, hospital stays, serious illnesses, and pregnancy-related complications. As these plans do not require medical underwriting, pre-existing medical conditions are generally excluded from cover.

Depending on the policy selected, benefits may be paid as a cash lump sum or short-term income, helping to cover household bills, mortgage payments, childcare costs, or other unexpected expenses. Non-medical Insurance can provide valuable financial support and peace of mind, helping families manage the financial impact of life’s unforeseen events.

Benefits

A Financial Safety Net

Helps keep your finances on track during difficult times.

Guaranteed Acceptance

Guaranteed acceptance for eligible applicants, regardless of medical history.

Multiple Claims Allowed

Unlike many traditional policies, multiple claims are allowed.

Good to know

Additional Health & Wellbeing Support

Many policies include benefits such as unlimited virtual GP appointments, second medical opinions, and wellbeing support services for you and your family.

Cover Your Children Too

Give your family added protection by including your children on your policy.

Get Covered

Answer a few questions and arrange a FREE consultation with one of our experts.

We’ll find you a personalised list of policies to choose from.

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MetLife: Everyday Protect

MetLife Everyday Protect is an affordable and highly customisable protection plan designed to help you handle the financial disruption of accidental injuries, hospital stays, or death. You can choose between 1 and 5 units of cover to scale your premium and benefits according to your personal monthly budget.

National Friendly: Friendly Shield 

Friendly Shield offers short-term accident and sickness protection designed to be simple, quick to set up, and affordable. It features three core coverage tiers—Bronze, Silver, and Gold—with premiums clearly structured based on your entry age and whether you opt for accident-only or combined accident and sickness protection.

Over 8,000 families protected

How does it work?

Our process is quick and convenient; you can complete everything online or over the phone, wherever and whenever it works best for you. Simply fill out the contact form to get started, and we'll guide you through the next steps to help protect what matters most.

Frequently asked questions

We’ve created a list of the most commonly asked questions regarding Non-medical Insurance. For more frequently asked questions, visit our help and support page.

Speak with an expert

Need further help? Speak with one of our Advisers.

No. Both MetLife Everyday Protect and National Friendly Shield allow you to apply and gain coverage in minutes with absolutely no medical questions to answer, health history forms to complete, or physical screenings required.

Any benefits paid out directly to you from plans like MetLife Everyday Protect are completely free from UK Income Tax and Capital Gains Tax. However, inheritance tax may potentially apply if a payout is distributed after the death of the policyholder.

Yes. MetLife offers an optional Child Cover add-on that protects your children from birth up to their 23rd birthday. National Friendly Shield allows you to easily add your spouse and children to the core policy with competitive pricing tiers.

For MetLife Everyday Protect, UK hospital admissions due to sickness or pregnancy-related complications are covered once you have held the policy for at least 12 months. For National Friendly Shield, the sickness-related income benefit can be accessed after a short 14-day waiting period.

About Us

Industry Leading Advice

The Protection Parent is an award-winning independent insurance broker dedicated to helping individuals and families across the UK find the right protection for their needs. By working with a wide panel of leading providers, we offer access to a broad range of policies and handle the research, comparison, and application process on our clients’ behalf.

Our goal is to ensure every family has the right level of protection in place, tailored specifically to their individual circumstances, priorities and budget. Taking the time to understand each client’s needs, concerns, and future plans allows us to guide you through every step of the process and ensure your loved ones are properly protected.

 

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Help & Support

Discover our support guides and frequently asked questions for more information on choosing the right insurance.

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Need further help? Speak with one of our Advisers.

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