I have been a customer for some years now, and I really appreciate the ease of claiming online as well as the fast payment turnaround. Due to an unexpected health issue, I have had some prescrip... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I had an issue with a rejected payment and was going back and forth with both companies. Pal was incredibly helpful, patient, and professional. She took the time to listen to my concerns, explain ev... See more
Company replied
You can find telephone contact details easily and it makes such a difference to be able to talk to a real person who listens and responds so clearly to questions. I have been insured with this compan... See more
Company replied
Very easy systems to use online - a quick table to see where any claim is up to and when submitting claims a rolling total is very visible. Post claim submission is also very good, keeping me updated... See more
Company replied
Company details
Written by the company
BHSF provide affordable health insurance for individuals, employees and intermediaries. Employee health and wellbeing benefits and HR support services
Over 150 years of putting people first. Affordable health cash plans and wellbeing solutions for businesses and individuals
Written by the company
- Introducing our new Health & Wellbeing Plan for employees
- Provide your employees with convenient digital, preventative care and valuable health plan benefits. Our business health plan offers easy, digital access to essential services like dental, optical, physiotherapy, and skin cancer screening, along with financial support for routine healthcare costs.
Contact info
14th Floor, 54 Hagley Road, B16 8PE, Birmingham, United Kingdom
- 0121 454 3601
- enquiries@bhsf.co.uk
- www.bhsf.co.uk
4.8
Excellent
9K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Clear and precise information received…
Clear and precise information received from Neil Ryder, exactly what I wanted.
17 July 2026
Unprompted review
Reply from BHSF
Hi Mark,
Thank you for your lovely 5* review.
We're so glad to hear our Helpdesk team were able to assist with your query. We'll be sure to pass along your kind words to Neil and his manager. We hope to be of service again soon.
BHSF
Very quick and efficient claims process
21 July 2026
Unprompted review
Reply from BHSF
Hi Clair,
Thank you for your excellent 5* review.
It's great to hear you're happy with the speed and efficiency of our service. We hope we can be of assistance in the future.
BHSF
BHSF is a very valuable cover system…
BHSF is a very valuable cover system for month by month medical expenses e.g. dental, optician, consultations. Scan your receipts or put through the digital receipts directly as a paid up member and you will get a repayment up to an agreed limit based on your level of subscription. The turn-round for payments and the service is excellent!
7 July 2026
Unprompted review
Reply from BHSF
Hi Ronald,
Thank you for your amazing 5* rating and review.
We're delighted to hear you're happy with your overall experience with us. We hope to be of service for many years to come.
BHSF
Absolutely excellent service
Absolutely excellent service. Great communication, so helpful on phone. Prompt payment.
13 July 2026
Unprompted review
Reply from BHSF
Hi Sarah,
Thank you very much for your lovely words/ review. We hope to be of such service again in the future, and we're only a phone call away if needed.
BHSF
Try their best to not pay out.
I was very lucky to have this insurance through my employer. I tried to reclaim some expenses for chiropody.
After sending in receipts on numerous occasions and they’re still asking me for the receipts and not paying out.
I have actually given up now, but will never Use this company and will be advising other others to do the same.
1 June 2026
Unprompted review
Reply from BHSF
Hi Kathleen,
Thank you for taking the time to leave us a review, and we're sorry to hear of your difficulties with claiming.
When submitting any claim, the 'Terms Of Use' (TOU) is the first section. This must be actively read & accepted in order to submit any claim via our Online Portal. This clearly confirms exactly what evidence a Policyholder needs to provide, in order for our Claims Services Team to fully assess the claim.
If the submitted receipts do not show everything we need, a claim will be declined and the Policyholder will have to gather the missing information and re-submit the claim again at a later date.
Unfortunately, from what you've described, it sounds as though the information you're submitting is insufficient. Therefore, please can we suggest that you re-read the TOU and provide the required evidence. If you'd like any guidance on this or need any help, please get in touch with our Helpdesk (0121 454 3601) who will do what they can to assist.
BHSF
Reply from BHSF
Hi Garry,
Thank you for excellent 5* review.
It's great to hear you're happy with our service. If you ever have any questions, or need any guidance, please don't hesitate to get in touch.
BHSF
I have been a member for over twenty…
I have been a member for over twenty years and have always had a great service
I would recommend BHSF to anyone
Thanks for your excellent service
Dave
7 July 2026
Unprompted review
Reply from BHSF
Hi Dave,
Thank you for your excellent 5* review.
We're so glad to hear you continue to be happy with your experience with us over the years. We hope to be of service for many years to come.
BHSF
Reply from BHSF
Hi Customer,
Thank you for your excellent 5* review.
It's great to hear you're happy with the speed of our service. We hope we can be of service again in the future.
BHSF
Happy as a bumble bee
Today I had the pleasure of speaking to Jackie, who solved all my issues, she was like wonderwomen.
My direct debits have been coming out from the wrong account, so i stopped them when i realized, i sent an email across.
I called up just to be sure, and Jackie took the details of account it should come out from and changed my address,
She was very pleasant to talk to.....
A true customer service attendent. I hope BHSF know how lucky they are to have her!!!
As a person working in retail, i recognize the genine service from the forced one.
7 July 2026
Unprompted review
Reply from BHSF
Hi Sakina,
Thank you for your amazing review and 5* rating.
It's lovely to hear you're so happy with the service provided by our Helpdesk team. We'll pass along your kind words to Jackie and her manager. We hope we can be of service again in the future.
BHSF
Marie was lovely and so helpful.
Got straight through to a lovely person by the name of Marie. Marie was a fountain of knowledge and nothing but helpful. An A** experience!!
7 July 2026
Unprompted review
Reply from BHSF
Hi Lee,
Thank you for your fantastic 5* review.
We're so glad to hear you're happy with your recent experience with us. We'll pass along your lovely feedback to Marie and her manager. If you have any further queries, or need any guidance, please don't hesitate to get in touch.
BHSF
Palvinder Mahey was a gem!
Palvinder Mahey was incredibly helpful and made the onboarding process very easy, when I hadn't received/could find my letter
7 July 2026
Unprompted review
Reply from BHSF
Hi Bethan,
Thank you for your lovely 5* review.
It's great to hear you're happy with the service provided by our Helpdesk team. We'll be sure to pass along your kind words to Palvinder and her manager. We hope we can be of assistance again in the future.
BHSF
I would like to receive your…
I would like to receive notifications and payments much sooner.
26 June 2026
Reply from BHSF
Hi Nonna,
Thank you for taking the time to leave us a 4* review.
Unfortunately, the speed at which claim payments arrive is beyond BHSF's ability to control, as BACs payments will usually take 3 working days. Once BHSF process a claim, it will be audited the following working day (usually first thing in the morning by our Claims Services Team), where the payment will be released and a 'Benefit Statement' generated (telling the Policyholder how much we're reimbursing).
If you're finding that you need the money a bit sooner than usual, we'd suggest submitting your claim(s) as quickly as possible to prevent any delays. However, if you ever have any queries, please let us know and we'll see what we can do.
BHSF
Great service and good cover
Great service and good cover. Website is basic but functional and payments are quick.
26 June 2026
Reply from BHSF
Hi Customer,
Thank you for your lovely 5* review.
We're so glad to hear you're happy with your overall experience with us. We hope we can be of service again in the future.
BHSF
Reply from BHSF
Hi Mr Hallows,
Thank you for your fantastic 5* review.
We're glad to hear you're happy with our service. If you ever have any questions, or need any guidance, please don't hesitate to get in touch.
BHSF
Excellent always super fast and clear…
Excellent always super fast and clear communication. Thank you
26 June 2026
Reply from BHSF
Hi Sue,
Thank you for your excellent 5* rating and review.
It's great to hear you're happy with your recent experience with us. We hope we can be of service again soon.
BHSF
First class
26 June 2026
Reply from BHSF
Hi Ros,
Thank you for your excellent 5* review.
It's great to hear you're happy with our service. If you ever have any questions, or need any guidance, please don't hesitate to get in touch.
BHSF
great company with great support
great company with great support
claims dealt with very quickly
26 June 2026
Reply from BHSF
Hi Chris R,
Thank you for your fantastic 5* review.
We're so glad to hear you're happy with your overall experience with us. We hope we can be of service in the future.
BHSF
Reply from BHSF
Hi Customer,
Thank you for your fantastic 5* review.
It's great to hear you're happy with your recent experience with us. We hope we can be of service in the future.
BHSF
Reply from BHSF
Hi Karen,
Thank you for your fantastic 5* review.
It's great to hear you're so happy with the speed of our service. If you ever have any questions, or need any guidance, please don't hesitate to get in touch.
BHSF
Very quick and easy to submit a claim
26 June 2026
Reply from BHSF
Hi Kevin,
Thank you for your wonderful 5* review.
We're glad to hear you're happy with your recent experience with us. We hope we can be of service again soon.
BHSF
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