BHSF Reviews 8,212

TrustScore 5 out of 5

4.8

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, politeness, and efficiency in handling inquiries and claims. Many people highlight the excellent service, noting the ease and speed with which claims are processed and payments are made. The prompt response times to emails and calls are frequently mentioned, contributing to a stress-free experience for consumers. However, some people were dissatisfied with the claims process, mentioning rejections for reasons they found unclear or inconsistent with past approvals. A few other people also felt that the service had declined, with some experiencing difficulties with online claims or long waits for appointments, and a minority expressed frustration with what they perceived as excessive requirements for claims.

What people talk about most

Claim

Consumers find claim to be positive. Many reviewers praise the quick and efficient processing of claims, with... See more

Service

Reviewers mention positive feedback about service. Many customers describe the service as fantastic,... See more

Staff

People report positive experiences with staff, consistently praising their helpfulness and efficiency.... See more

Response time

Clients share positive opinions on response times. Many reviewers highlight the quick and efficient... See more

Payment

Reviewers highlight positive aspects of payment. Customers consistently praise the quick and efficient... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

  1. #10 of 24 best companies in Health insurance agency
  2. #8 of 37 best companies in Mental Health Services

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

4.8

Excellent

TrustScore 5 out of 5

8K reviews

5-star
4-star
3-star
2-star
1-star

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.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Raised an issue about not being able to…

Raised an issue about not being able to login. Chased on email but no response and login still not working over 2 weeks later. What a waste of time

16 January 2026
Unprompted review
BHSF logo

Reply from BHSF

Hi Andy,

Thank you very much for taking the time to leave us a review and we're very sorry to hear of your logging in difficulties.

If you've already spoken with our Helpdesk and raised this with them directly, it's likely our IT department have been notified and will be looking into it. However, i would suggest that you call our Helpdesk when it's convenient to do so, as they may have an update (or at the very least, can assist with getting your outstanding claims sorted to prevent any delays).

BHSF

Rated 5 out of 5 stars

Good Service

My claim was dealt with quickly and efficiently

27 January 2026
BHSF logo

Reply from BHSF

Hi Brian,

Thank you for your fantastic 5* review.

It's great to hear you're happy with the speed and efficiency of our claims processing. We hope to be of service again in the future.

BHSF

Rated 5 out of 5 stars

99% of the time excellent.

99% of the time excellent.

However, I have rang a couple of times and have spoken to the most rude person (same person both times), disappointing.

27 January 2026
BHSF logo

Reply from BHSF

Hi Eleanor,

Thank you for your excellent 5* review.

We’re glad to hear you’re pleased with your overall experience with us. However, we’re sorry to hear you’re unhappy with recent interactions with our Helpdesk. If you’d like for us to look into this further for you, please do get in touch.

BHSF

Rated 5 out of 5 stars

Efficient service

Receipts are always dealt with quickly & payments into bank account follow.

27 January 2026
BHSF logo

Reply from BHSF

Hi Doreen,

Thank you for your excellent 5* review.

We're glad to hear you're happy with the speed of our service. We look forward to receiving your future claims.

BHSF

Rated 5 out of 5 stars

Satisfaction

Very efficient and informative.

27 January 2026
BHSF logo

Reply from BHSF

Hi Wendy,

Thank you for your wonderful 5* review.

We're so glad to hear you're happy with your overall experience with us. We hope to be of service again in the future.

BHSF

Rated 5 out of 5 stars

Easy to use,

27 January 2026
BHSF logo

Reply from BHSF

Hi Jan,

Thank you for your excellent 5* review.

It's great to hear you've found it so easy to submit your claims. We hope we can be of assistance in the future.

BHSF

Rated 4 out of 5 stars

My claim .

My claim was dealt with very efficiently and in good time.
I do think though that the contributions I pay monthly are expensive given the maximum I can claim for an optical claim ( ie glasses), given that I only claim every two years at the most.

27 January 2026
BHSF logo

Reply from BHSF

Hi David,

Thank you for your excellent 4* review.

We're so glad to hear you're happy with our service. If you have any questions about your policy, or want to see what options are available, please don't hesitate to get in touch with our Helpdesk team, who'll be happy to help.

BHSF

Rated 4 out of 5 stars

Have been a BHSF member for a long…

Have been a BHSF member for a long time. They always pay out quickly as long as the y have the correct paperwork. Process is easy jusy wish the limits where a bit higher for the more regular items like dental and optical

27 January 2026
BHSF logo

Reply from BHSF

Hi Customer,

Thank you for your excellent 4* review.

It's great to hear you're happy with your experience with us. We hope we can be of assistance in the future.

BHSF

Rated 5 out of 5 stars

Have been with BHSF for about 27 years

Have been with BHSF for about 27 years. Have never had any issues with them and my claims have always been dealt with without delay.

27 January 2026
BHSF logo

Reply from BHSF

Hi Mrs S H,

Thank you for your amazing 5* review.

We're delighted to hear you're so happy with our service over the many years. We hope to be of service for many years to come.

BHSF

Rated 5 out of 5 stars

Helpful staff on the phone

Helpful staff on the phone. Really easy to claim back

27 January 2026
BHSF logo

Reply from BHSF

Hi Lou,

Thank you for your wonderful 5* review.

It's great to hear you're happy with the service provided by our Helpdesk team. If you have any queries in the future, or need any assistance, please do get in touch.

BHSF

Rated 5 out of 5 stars

Easy method of claiming and very speedy…

Easy method of claiming and very speedy payment.

27 January 2026
BHSF logo

Reply from BHSF

Hi Linda,

Thank you for your fantastic 5* review.

We're happy to hear you've found claiming online both quick and easy. We look forward to receiving your next claim.

BHSF

Rated 4 out of 5 stars

Website relatively easy to use

Website relatively easy to use. Efficient service

27 January 2026
BHSF logo

Reply from BHSF

Hi Barbara,

Thank you for your excellent 4* review.

It's great to hear you're happy with the ease and efficiency of our service. If you ever have any questions, or need any guidance, please don't hesitate to get in touch.

BHSF

Rated 5 out of 5 stars

Quick and efficient

Quick efficient service thank you

27 January 2026
BHSF logo

Reply from BHSF

Hi David,

Thank you for your fantastic 5* review.

We're so glad to hear you're happy with the speed and efficiency of our service. We look forward to receiving your future claims.

BHSF

Rated 5 out of 5 stars

The sheer efficiency of the process…

The sheer efficiency of the process dealing with queries and claims.
The Staff are well versed in giving information.
With a huge degree of competence.

27 January 2026
BHSF logo

Reply from BHSF

Hi Shirley,

Thank you for your amazing review and 5* rating.

It's gratifying to hear you're so happy with the service we provide. We hope to be of service for many years to come.

BHSF

Rated 5 out of 5 stars

Quick response to my claim

Quick response to my claim, payment in my bank within 4 days

27 January 2026
BHSF logo

Reply from BHSF

Hi Tracey,

Thank you for your fantastic 5* review.

We're happy to you're pleased with the speed of our service. We hope we can be of service again soon.

BHSF

Rated 5 out of 5 stars

Great Value

As always easy to submit receipts and quick reimbursement

27 January 2026
BHSF logo

Reply from BHSF

Hi Adrian,

Thank you for your fantastic review and 5* rating.

We're glad to hear you've found it quick and easy to submit your claims. We hope we can be of assistance in the future.

BHSF

Rated 5 out of 5 stars

No problems

This company is very professional in all areas. I have no problems with anything I've had to consult them about.

27 January 2026
BHSF logo

Reply from BHSF

Hi Christine,

Thank you for your lovely 5* review.

It's great to hear you're happy with your experience with us. If you do ever have any questions, or need any guidance, please don't hesitate to get in touch.

BHSF

Rated 5 out of 5 stars

Staff friendly and polite

Staff friendly and polite, claim processed quickly.

27 January 2026
BHSF logo

Reply from BHSF

Hi Mark,

Thank you for your wonderful review and 5* rating.

We're delighted to hear you're so happy with our recent experience with us. We hope to be of service again in the future.

BHSF

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look