I was seeing a message saying I could not make a dental claim. The first advisor I spoke with suggested trying again, which I did & still the same. I rang again & spoke with Manreece Grewal who was ve... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I had several email attempts to contact BHSF to help me register and start processing my claim. Eventually I got a reply from Neil Ryder a Helpdesk Assistant. He couldn't have been more hel... See more
Company replied
I had trouble doing my claim online so called helpdesk. Spoke to a professional, polite advisor Neil Ryder. He explained exactly what the issue was. Neil advised due to an update on my policy I had... See more
Company replied
Having just retired from NHS after 32 years service was unsure my cover with Bhsf would continue . However I was made aware of their corporate retirement plan . I rang and spoke with Neil who quickly... 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
8K reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
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See how their reviews and ratings are sourced, scored, and moderated.
Fantastic service
Fantastic service, I blinked and the money was in my account. :-) Can't say that about any other kind of insurance.
Many thanks
February 16, 2026
Unprompted review
Reply from BHSF
Hi Mrs Jones,
Thank you for your excellent review and 5* rating.
It's great to hear you're happy with the speed and efficiency of our service. If you ever have any questions about your policy, or need any guidance, please don't hesitate to get in touch.
BHSF
Support from Jacqueline Gosling-Simmonds.
Jacqueline Gosling-Simmonds provided superb assistance on the phone today helping me to find and understand a long unused policy in a professional and friendly manner.
My contact with BHSF was something of a very pleasant surprise compared with the very impersonal customer contact arrangements other organisations seem to use.
February 23, 2026
Unprompted review
Reply from BHSF
Hi A M,
Thank you for your lovely 5* review.
We're delighted to hear you're so happy with your recent experience with our Helpdesk team. We'll be sure to pass along your kind words to Jacqueline and her manager. We hope to be of service again in the future.
BHSF
Excellent service
Excellent service. Helpdesk very helpful and easy to deal with. Quick decisions re payments and quickly into my bank account. Would thoroughly recommend.
Great organisation to be a customer of.
February 23, 2026
Unprompted review
Reply from BHSF
Hi Julian,
Thank you for your wonderful 5* review.
It's great to hear you're so happy with the overall service we provide. We hope we can be of assistance again in the future.
BHSF
Reply from BHSF
Hi Valerie,
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 assistance in the future.
BHSF
Superb service …
I had submitted several online claims in one go for my husband's hospital stays and treatment and was very pleased to have Jacqueline Gosling-Simmonds at the other end of the line to talk me through the processes. Once all boxes had been ticked and questions answered, Jacqueline then went on to advise that my husband and I might think about using the other benefits included in our plan. The service offered by BHSF is brilliant and the fact I was able to talk to another human on the phone makes all the difference. None of this push button or yes/no to no-one in particular! My husband and I feel we have been given excellent service. We have been with this company for many years and not once have we been disappointed. Long may you continue to serve us and others in this manner.
February 18, 2026
Unprompted review
Reply from BHSF
Hi Jennie,
Thank you for your amazing 5* review.
We're delighted to hear you're happy with the service provided by our Helpdesk team. We'll be sure to pass along your kind words to Jacqueline and her manager. We hope to be of service for many years to come.
BHSF
Very easy to use online portal. Excellent service.
Very easy to use online portal to claim back costs. Received an email back very quickly saying its being looked at and processed. Excellent service.
February 19, 2026
Unprompted review
Reply from BHSF
Hi Tony,
Thank you for your fantastic 5* review.
It's great to hear you're happy with the speed and ease of submitting your claims. If you ever have any questions, or need any guidance, please don't hesitate to get in touch.
BHSF
Reply from BHSF
Hi Inez,
Thank you for your lovely 5* review.
We're so glad to hear you're happy with the speed of our service. We hope we can be of assistance in the future.
BHSF
I applied for the cash plan online and…
I applied for the cash plan online and called to confirm this and spoke to
Jackie who was patient, kind and very helpful. She clarified everything and I felt heard and listened to. 10/10 for customer satisfaction. Thank you Jackie
February 18, 2026
Unprompted review
Reply from BHSF
Hi Bernadette,
Thank you very much for taking the time to leave us such a lovely 5* review. We'll be sure to pass your feedback on to the staff member directly, and hope to be of such service again in future.
BHSF
Disgusting every time I fill in a claim…
Disgusting every time I fill in a claim it gets refused need more information even when u have sent all receipts in 3 times the u have to phone them they take £31 from my pay every month but you try and get a claim after having to speak to them you get ur money takes forever.
February 7, 2026
Unprompted review
Reply from BHSF
Hi Shirley,
Thank you for taking the time to leave us a review, and we're sorry to hear of your difficulties.
In order for our Claims Services Team to accurately assess any claim, certain criteria must always be evidenced on a receipt, such as: the insured person's name, the date of treatment, confirmation the full balance has been paid, itemised receipt confirming what has been purchased. This is why we clearly outline everything that's needed in our 'Terms Of Use,' so that Policyholder's know exactly what's needed when submitting a claim. If your claims were missing this information, they will be declined and require re-submitting correctly.
If this is something you ever need assistance with, please get in touch with our Helpdesk directly where we'll do what we can to help.
BHSF
Steer Clear, unless you are in hospital several times a year!
They always, always looking for a reason not to pay out! The receipt is not to their liking. Your date is wrong. But oh by Christ, they're not so slow on premium payment day! The money is gone, from your account. Before you have time to pay it in! No good if you go dentist at few times a year. Or the Chiropodist. They pay the minimum, whilst taking as much as possible off you! It started out as a non profit making organisation. Now, grab, grab, grab!
February 17, 2026
Unprompted review
Reply from BHSF
Hi Tom,
Thank you for taking the time to leave us a review, and we're sorry to hear of your upset.
In order for our Claims Services Team to accurately assess any claim, certain criteria must always be evidenced on a receipt, such as: the insured person's name, the date of treatment, confirmation the full balance has been paid, itemised receipt confirming what has been purchased. This is why we clearly outline everything that's needed in our 'Terms Of Use,' so that Policyholder's know exactly what's needed when submitting a claim. If your claims were missing this information, or were submitted with the incorrect date, they will be declined and require re-submitting correctly.
If you're unhappy with the cost of the policy premiums, please get in touch with our Helpdesk (0121 454 3601), as you may be able to transfer to a lower/ cheaper level of cover.
BHSF
I had a query about physio rules
I had a query about physio rules. Jaqueline Goslin-Simmonds answered all of my queries in a most pleasant and efficient manner. She has also advised me about using BHSF’s Online Portal.
First class service, especially for a very elderly man !
February 17, 2026
Unprompted review
Reply from BHSF
Hi Andrew,
Thank you very much for taking the time to leave us such a lovely 5* review. We'll be sure to pass your feedback on to the staff member directly, and hope to be of such service again in future.
BHSF
Very efficient service
It’s so easy to submit an online claim. An email confirming receipt of the claim is sent immediately and settlement is made within days. Excellent service.
January 27, 2026
Reply from BHSF
Hi Customer,
Thank you for your wonderful 5* review.
We're so glad to hear you're happy with the ease and speed of submitting your claims. We hope we can be of service again in the future.
BHSF
Reply from BHSF
Hi Rob,
Thank you for your fantastic 5* review.
It's great to hear you're happy with the speed of our service. We hope we can be of assistance again in the future.
BHSF
Physio vlaim
I find the claim
Process easy to use but it would be easier if I could give a bank receipt as you must have a record of this physio from past receipts
February 12, 2026
Unprompted review
Reply from BHSF
Hi Linda,
Thank you very much for your kind words and lovely review.
Unfortunately, bank/ receipt/ card receipts are not accepted when submitted on their own, as they're missing a lot of basic information needed to prove a claim is legitimate (e.g. an Insured Person's name, details of what has been purchased, confirmation the full balance has been paid, therapists registration details). Policyholder's will always need to obtain a full receipt, but if you're ever in difficulty, or are unsure of the information we need to assess a claim, please get in touch with our Helpdesk where we'll do what we can to assist.
BHSF
Restrictive for sports massage
The list of approved industry bodies for sports massage is restrictive and uses bodies that either have woeful search facilities or practitioners that are 45 minutes away when I have vastly more qualified people close by that I trust that I cannot use. An enquiry into this went unanswered.
October 20, 2025
Unprompted review
Reply from BHSF
Hi Paul,
Thank you for taking the time to leave us a review.
Our list of 'accepted professional registers' is something we regularly review, but it's sadly not possible to give an immediate response on a query as to whether or not a new register will be instantly accepted. If you have any professional registers you'd be willing to recommend as something we could potentially include in the future, please get in touch with our Helpdesk directly and we'll see what we can do. Sadly, we can't cover them all, as the premiums for such a plan would be extreme, but if enough policyholders contact us about a certain register, this is always helpful to assist in the decision.
BHSF
I have always received quick resolution…
I have always received quick resolution from the BHSF helpdesk team, as well as the BHSF After Sales Team. Recently I got in touch with the helpdesk team, and Neil Ryder was very helpful with our request and provided a resolution the same day. I was also assisted by Rebecca Watson from the After Sales Team who also provided a resolution on the same day.
February 5, 2026
Unprompted review
Reply from BHSF
Hi Pratik,
Thank you for your amazing 5* review.
It's lovely to hear your happy with the service provided by BHSF. We'll be sure to pass along your kind words to Neil and Rebecca's managers. We hope we can be of assistance again in the future.
BHSF
Prompt payments and replies
Fast payment, great with any queries you have prompt replies.
January 27, 2026
Reply from BHSF
Hi Rachel,
Thank you for your fantastic 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
Neil was very patient and helpful in…
Neil was very patient and helpful in solving my technical issue logging a claim. He stayed with me until I was logged in and working well.
February 9, 2026
Unprompted review
Reply from BHSF
Hi Sharon,
Thank you for your amazing 5* rating and review.
We're delighted 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 we can be of service again in the future.
BHSF
your staff are always very helpful and…
your staff are always very helpful and polite
January 27, 2026
Reply from BHSF
Hi Geraldine,
Thank you for your lovely 5* review.
We're so glad to hear you're happy with the service provided by our Helpdesk team. We hope we can be of assistance again in the future.
BHSF
Reply from BHSF
Hi Katy,
Thank you for your wonderful 5* review.
We're so glad to hear you're happy with the your recent experience with us. We hope to be of service again in the future.
BHSF
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