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
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
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
- #10 of 24 best companies in Health insurance agency
- #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
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
See how their reviews and ratings are sourced, scored, and moderated.
Reply from BHSF
Hi Tanya,
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
Good service and the online claim…
Good service and the online claim process easy to use.
11 April 2026
Unprompted review
Reply from BHSF
Hi Customer,
Thank you for your excellent 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
Great Customer Service
Neil from Customer Service was very helpful in regards to explaining different upgrade options. I regularly claim for therapies on my BHSF policy and claims are always handled swiftly and efficiently. Would recommend.
9 April 2026
Unprompted review
Reply from BHSF
Hi A,
Thank you for your fantastic review and 5* rating.
We're so glad to hear you're happy with the service provided by our Helpdesk team. We'll be sure to pass along your kind words to Neil and his manager. We hope we can be of service again soon.
BHSF
My first claim was easy to apply for and quickly processed.
I've just made my first claim which was processed swiftly. The form was very easy to complete and BHSF were specific in what I needed to obtain from the dentist to make my claim so I had everything handy.]
Thank you!
9 April 2026
Unprompted review
Reply from BHSF
Hi Janice,
Thank you for your wonderful 5* review.
It's great to hear you've found it both quick and easy to submit your claims. If you ever have any questions about your policy, or need any guidance, please don't hesitate to get in touch.
BHSF
Reply from BHSF
Hi Customer,
Thank you for your lovely 5* review.
We're glad to hear you're happy with the speed and ease of submitting your claims. We hope we can be of service again in the future.
BHSF
Absolutely no loyalty and poor ethos
I have been with BHSF for over 30 years. Well since I was a student nurse at 19 and I’m now 55.
A few years ago I changed NHS Trusts and as the new Trust didn’t use BHSF I continued as a private customer even though it was a lot more expensive. I was a VERY loyal customer, probably their perfect customer as I never really claimed in 30 years !
I then used the physio and the optical and dentist benefit a few times over the last couple of years - wow talk about stab in the back. My single person platinum premium went from £26 a month to £56!!!
I rang to discuss and was just advised that they had to make increases with everyone but this was like 115 % overnight !! The advisor said it was to be expected.
I challenged this as this hike was genuinely unreasonable and was basically told tough if you don’t like it leave.
However ….. this was the hurtful bit. After 30+ years loyalty … if I rejoined now as a brand new customer with a different surname and e mail it’s the pre 115 % price rise - so half the price and hundreds of pounds cheaper !!!
Thanks BHSF
I have always praised you but now it’s entirely the opposite
Shame on you
I shall claim my full quota for the year and leave for an organisation who is loyal truthful and has credibility because your ethos is disgraceful.
1 April 2026
Unprompted review
Reply from BHSF
Hi Sandy,
Thank you for taking the time to leave a review and we’re sorry to hear you’re unhappy.
Unfortunately, premium increases are an inevitable part of life, which is why BHSF will only do this when we have no other choice. We only increase premiums when absolutely necessary, so while some increases may seem extreme, this is driven by the volume of claims & payments made for each level of cover on a specific policy/ product/ group.
If you’d like to explore lower/ cheaper levels of cover if the recent increase means this is no longer affordable for you, or potentially transfer to a different plan, please do get in touch and we’d be happy to assist as best we can.
BHSF
On line claim error message .I was seeing a message saying I could…
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 very helpful & said he would contact IT. I sent him an email showing the error message & the problem was resolved by the end of the day. My claim has already been processed by the next day.
7 April 2026
Unprompted review
Reply from BHSF
Hi Sally,
Thank you for your wonderful 5* review.
We're delighted to hear you're so happy with the service provide by our Helpdesk team. We've passed along your kind words to Manreece and his manager. We hope we can be of assistance in the future.
BHSF
How quickly the payment was in my…
How quickly the payment was in my account and the ease of making a claim
27 March 2026
Reply from BHSF
Hi Judith,
Thank you for your excellent 5* review.
We're so glad 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
Great service
Great service. Would be even better in an app rather than a mobile browser.
27 March 2026
Reply from BHSF
Hi Customer,
Thank you for your wonderful 4* review.
We're glad to hear you're happy with the overall service we provide. We hope we can be of assistance in the future.
BHSF
Prompt payment
27 March 2026
Reply from BHSF
Hi Customer,
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 next claim.
BHSF
Reply from BHSF
Hi Edith,
Thank you for your fantastic review and 5* rating.
We're glad to hear you're happy with your experience with us. We hope to be of service again in the future.
BHSF
Prompt payment
Prompt payment. Easy to claim. Sadly they have reduced the amount you can claim for dental.
27 March 2026
Reply from BHSF
Hi Heather,
Thank you for your excellent 5* review.
We're glad to hear you're happy with the speed and ease 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
Excellent service overall
Very prompt customer care, prompt emails and claims very quick
27 March 2026
Reply from BHSF
Hi Jyotila,
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
Fast and efficient response.
27 March 2026
Reply from BHSF
Hi Jeff,
Thank you for your fantastic 5* review.
We're glad to hear you're happy with the speed and efficiency of our service. If you ever have any questions, or need any assistance, please don't hesitate to get in touch.
BHSF
Great service
Great service, fast and reliable, been with BHSF for years and always trustworthy.
27 March 2026
Reply from BHSF
Hi Gerard,
Thank you for your amazing 5* review.
It's great to hear you're 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 ease and speed of our service. We look forward to receiving your next claim.
BHSF
Excellent Service to Help with Medical Costs
Very useful service that helps with a variety of medical associated costs. Gives good value for money and they're very prompt in paying out!
27 March 2026
Reply from BHSF
Hi Neil,
Thank you for your wonderful 5* rating and review.
We're delighted to hear your health cash plan is assisting with managing your everyday health costs. We hope we can be of service again soon.
BHSF
I actually got to speak to a human
I actually got to speak to a human - not AI. Big win!
27 March 2026
Reply from BHSF
Hi Anne,
Thank you for your lovely 5* review.
It's great to hear you're happy with our service. If you do have any further questions, or need any guidance, please don't hesitate to get in touch.
BHSF
Been with BHSF some years
Been with BHSF some years, they are really good always paid on time
27 March 2026
Reply from BHSF
Hi William,
Thank you for your excellent 5* review.
It's great to hear you're happy with your overall experience with us. We hope we can be of assistance in the future.
BHSF
I found it very difficult to get my…
I found it very difficult to get my money back the questions you asked was far to difficult for me having to find documents ect from doctors and it was not straightforward
27 March 2026
Reply from BHSF
Hi Maxine,
Thank you for taking the time to leave us a review and we’re very sorry to hear of your difficulty with claiming recently.
When claiming through our Online Portal, the ‘Terms Of Use’ (which a Policyholder must read & accept in order to submit any claims this way), confirm exactly what our Claims Services Team (CST) need on submitted documentation to accurately assess any claim. If these are not followed and insufficient/ unclear information is submitted, the claim will be declined and the Policyholder will have to provide the requisite information.
Like any insurance policy, the onus is on the Policyholder to provide the information needed for the insurer to assess the claim. While BHSF can help with this under certain circumstances, our CST do not have the capacity to phone every service provider for every claim, especially if the information we’ve been given is unclear/ incomplete.
If you’d like us to look into this further for you though, or you ever need any help on what is needed in order to claim, please contact us in advance of booking anything so we can help.
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.