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
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 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
How this company uses Trustpilot
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Claims sorted quickly and so easy to do
February 24, 2026
Reply from BHSF
Hi Sharon,
Thank you for your fantastic 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
Reply from BHSF
Hi Customer,
Thank you for your fantastic 5* review.
It's great to hear you're happy with the service we provide. We look forward to receiving your next claims.
BHSF
Reply from BHSF
Hi Rob,
Thank you for your fantastic 5* review.
We're happy to hear you've found our Online Customer Portal both quick and easy to use. We hope we can be of assistance in the future.
BHSF
Reply from BHSF
Hi Michelle,
Thank you for your excellent review and 5* rating.
It's lovely to hear you're happy with you recent experience with us. We hope we can be of assistance in the future.
BHSF
the online claim process was flawless
February 24, 2026
Reply from BHSF
Hi David,
Thank you for your excellent 5* review.
We're delighted to hear you're so happy with our Online Customer Portal. If you ever need any assistance, or have any questions, please don't hesitate to get in touch.
BHSF
It was so easy to complete
February 24, 2026
Reply from BHSF
Hi Chris,
Thank you for your fantastic 5* review.
It's great to hear you're happy with the ease of submitting your claim. We look forward to receiving your next claim.
BHSF
Easy to claim
Easy to claim, fast payout, never a problem if you follow instructions
February 24, 2026
Reply from BHSF
Hi Angela,
Thank you for your excellent review and 5* rating.
We're glad to hear you're happy with the speed and ease of submitting your claims. We hope we can be of assistance in the future.
BHSF
Happy customer…
They always get things sorted don’t have to wait ages for payment and keep in touch if you have made a mistake really good plan BHSF
February 24, 2026
Reply from BHSF
Hi Carol,
Thank you for your excellent 5* review.
We're so glad to hear you're happy with your overall experience with us. If you ever need any assistance, or have any questions, please don't hesitate to get in touch.
BHSF
Reply from BHSF
Hi SW,
Thank you for your excellent 5* review.
We're so glad to hear you're happy with the speed and efficiency of our service. We hope to be of assistance in the future.
BHSF
Good overall, but
Good overall, but started to request GP referral evidence for Consultants. This is very difficult to get at some practices due to protocol.
Why would anyone pay to see a consultant for fun!?
February 24, 2026
Reply from BHSF
Hi Brian,
Thank you for your excellent 4* review.
We're glad to hear you're happy with your overall service with us. If you have any questions about your policy, please don't hesitate to get in touch and we'd be happy to advise you further.
BHSF
Reply from BHSF
Hi Alison,
Thank you for your wonderful 5* review.
It's great to hear you're happy with your recent experience with us. We look forward to receiving your future claims.
BHSF
Reply from BHSF
Hi Rachel,
Thank you for your fantastic 5* review.
We're so glad to hear you're happy with the speed and ease of submitting your claims. We hope we can be of assistance in the future.
BHSF
Easy to use website and quick processing
Easy to use website, quick to submit a claim, and claims are assessed and paid very quickly.
February 24, 2026
Reply from BHSF
Hi Customer,
Thank you for your wonderful 4* review,
It's great to you're happy with the ease and speed of our service. If you do ever have any questions about your policy, or need any guidance, please don't hesitate to get in touch.
BHSF
Used to pay full cost of treatment
February 24, 2026
Reply from BHSF
Hi John,
Thank you for taking the time to leave us a review and we're sorry to hear of your upset.
All of the benefits, under all of our policies, have set reimbursement rates. Depending on the maximum limits and reimbursement % for your policy & level of cover, there are likely to be some claims which do not reimburse the full cost, especially if previous claims have already utilised some of the relevant allowance.
However, all our claims are manually assessed by a member of our Claims Services Team, and even with 99.99% accuracy, mistakes can happen (especially across hundreds of thousands of claims). If you’d like us to look into this further for you so we can check your last few claims, please do not hesitate to get in touch with our Helpdesk where we’ll see what we can do.
BHSF
Even for a simple claim
Even for a simple claim, the requirements feel excessive and unnecessarily complicated. The process is time-consuming, there’s no dedicated app to make it easier, and customer service has not been helpful.
February 24, 2026
Reply from BHSF
Hi MM,
Thank you for taking the time to leave us a review and we're sorry to hear of your upset.
BHSF require some key information as standard, for every single claim, such as: the insured person’s name, an itemised breakdown of what has been purchased, confirmation of what has been paid, that nothing is still outstanding and contact details of the service provider. Most receipts given by service providers will include this as standard, and this usually doesn’t need a Policyholder to do anything more than submit the receipt they’re given. However, Policyholders’ should always check their receipts to be sure before submitting them, as claims will be declined if done incorrectly, or missing key information.
This is to ensure that claims meet with the T&Cs of the policy, can be audited correctly & processed when they’re first submitted (assuming they’re legitimate). We do not (currently) have a dedicated app, as we have a dedicated Online Portal for Policyholders to use. However, this is something we’re currently exploring, so this may be something we can offer in the future.
If you ever need any help on submitting a claim if you’re having difficulty, please get in touch with our Helpdesk who will happily go through the process with you if wished.
BHSF
Reply from BHSF
Hi Tommy,
Thank you for your excellent 5* review.
It's great to hear you're happy with recent experience with us. We hope to be of assistance again in the future.
BHSF
A long standing policyholder with no regrets
I’ve been with BHFS for many years now since I was introduced to their policies via a benefits package at work. I retired some years ago but have maintained my policy since. Every time a claim is made, payment drops into my account within a week. You cannot fault the service offered.
February 24, 2026
Reply from BHSF
Hi WR Sudbury,
Thank you for your fantastic review and 5* rating.
We're delighted 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 Julia,
Thank you for your wonderful 5* review.
It's great to hear you're happy with the speed and ease of submitting your claims. We look forward to receiving your next claims.
BHSF
Easy process to claim
Easy process to claim. Acknowledged receipt and adviced payment date.
February 24, 2026
Reply from BHSF
Hi Customer,
Thank you for your excellent 5* review.
We're so glad to hear you're happy with the ease of submitting your claims. We hope we can be of assistance in the future.
BHSF
5* Customer Service
Can highly recommend Pal, who provided 5* service in resolving my query. Very impressed!
February 26, 2026
Unprompted review
Reply from BHSF
Hi Matt,
Thank you for your fantastic 5* review.
It's great to hear you're happy with the service provided by our Helpdesk team. We've passed along your kind words to Pal and her manager. We hope to be of service again in the future.
BHSF
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