Been with BHSF for over ten years and never had a problem. They are better than other cash plans (like Bupa) and help out a lot. I have an individual policy and a medical condition. I could not claim for the medical condition for two years but after that if I did need to stay in hospital or have day surgery I could always claim. Would recommend to anyone read more

BHSF not-for-profit health insurer which was formed in the 19th century. It mostly offers health insurance for things that don't come free or easily via the NHS - for example dental treatment - but they also support alternative therapies and can help pay towards things like glasses and health consultations. They work closely with some large organisations in the area - including the City Council and Cadbury's but they do also offer personal policies and have in recent years branched out into pet and travel insurance. I've used them for a while and always found them incredibly pleasant to deal with. read more

Incredibly disappointed with my coverage. When I was damn near crippled with back pain, I had two visits to a local massage and chiropractic practice to have my back looked at. Only two sessions later and it was like my back pain never existed and for an incredibly low price. BHSF knocked back the claim because the practice wasn't registered, despite the fact that. 1.) Going any where else was out of the question. Walking to their practice was hard enough, trying to go into town for another practice was out of the question 2.) It was much cheaper than any other Chiro practice. Feel incredibly let down. Never sign up with them. read more

I was very poorly treated by this company on two occasions today. For some reason staff that work on the phones are told it's ok to argue with customers and call them liars. I was treated as is if was lucky to get their service (as if it was free) and I wasn't a paying customer. Avoid at your peril I've decidec to leave read more

Have their insurance through my work and the only thing I claim for is an annual check-up at the dentist. Never had any issues with this when the company used Westfield health but BHSF are rejecting my claim based on the fact that my invoice says private / denplan examination. Tried reasoning with them to let them know that this same invoice line is used for all private patients and deplane patients but they will not pay out for this. Completely unfit for purpose. read more