The BHSF Health Cash Plan from the Birmingham Holiday Saturday Fund (BHSF) is a simple, affordable way to claim money back on everyday healthcare costs.
Hold on a second, don’t rush away just because “Birmingham” is in the title! This post is for everyone, not just those in the West Midlands. BHSF is a non-profit health and wellbeing provider that focuses on keeping you and your family in good health.
What Is the BHSF Health Cash Plan
Let’s break it down. With the BHSF Health Cash Plan, you can choose between an Individual Policy just for you or a Family Policy, which covers you, your partner, and your children.
The plan offers five levels of cover. The more you invest, the more you can claim back. Here are the options:
- Budget Plan
- Core Plan
- Value Plan
- Bonus Plan
- Premier Plan
Costs start from just £5.16 per month, and each level gives you an annual limit for every service. Whether you want basic cover or something more comprehensive, there’s a plan to suit your needs and budget.
What Does the BHSF Health Cash Plan Cover
Now onto the important part: what’s actually covered? Here’s a list of the main services you can claim for:
- Dental
- Optical
- Health Consultations
- Health Screening
- Hearing Aids
- Hospital Inpatient
- Hospital Parental Stay
- Recuperation
- Hospital Day Cases
- Maternity/Paternity
- Personal Accident
- Therapies (Acupuncture, Chiropractor, Chiropodist, etc.)
Each plan provides different levels of reimbursement for these services. It’s like having a safety net for your health!
How Does It Work
It’s really straightforward. When you use any of the covered services, take a photo of your receipt and upload it through the BHSF online portal. Enter the service type, date, and amount, then submit your claim.
In my experience, I’ve had claims processed and money back in my account within just a few days. Keep in mind:
- Therapy service providers need to be registered. You can get details from BHSF.
- Reimbursement ranges from 50% to 75%, up to the maximum benefit for the year.
Are Health Cash Plans Worth It
I’ve been with BHSF for about five years, and it’s been well worth it. My plan costs £14.56 a month, which comes to £174.72 a year.
This year alone, I went to the dentist twice and spent £125. I received £93.75 back, more than half of my annual cost. Add in my eye tests and glasses claims, and I’ve saved even more.
If you regularly use dental, optical, or therapy services, this plan can be a great way to manage those costs. It’s practical, affordable, and offers peace of mind.
How BHSF Compares to Other Health Cash Plans
Many health cash plans work in similar ways, but BHSF stands out for a few key reasons.
First, the monthly cost is lower than many competitors, with cover starting at just over £5. That makes it accessible for families and individuals who want private healthcare support without high premiums.
Second, claims are processed quickly. Many members receive payments within a few days of submitting receipts, which makes a big difference when you’re managing day-to-day expenses.
Finally, BHSF is a non-profit provider, meaning more of your money goes toward benefits rather than shareholder profits. Other cash plan companies often charge more for similar services.
If you’re mainly after dental, optical, or therapy cover, the BHSF Health Cash Plan gives excellent value for money. It’s ideal for anyone who wants peace of mind while keeping healthcare affordable.
Ready to Start Saving on Healthcare Costs
If this sounds like a plan that could work for you, visit the Birmingham Holiday Saturday Fund website for full details and to get started. Claiming with BHSF is quick and straightforward. You’ll just need your employer’s name, PAYE reference, and a record of what you’ve spent. Once your claim is approved, your refund is sent directly to your bank account or added as a credit adjustment for the next year.
There are no hidden charges, and you can upgrade your plan at any time if your needs change. Don’t wait too long to start; the sooner you claim, the sooner you’ll see your savings.
If you want to explore more ways to save on everyday health costs, check out my post on Online Chemists for Cheaper Prescriptions. It’s full of trusted UK pharmacy options that help you spend less without compromising on quality.
Does BHSF cover routine dental and optical costs?
Yes, most BHSF plans reimburse dental check-ups, glasses, lenses, and routine eye tests.
Can I claim for NHS and private treatments?
Yes, many plans apply to both, depending on the treatment category.
How long do claims take to be paid?
Most claims are processed within a few working days once receipts are uploaded.
Do I need a medical check to join?
No medical assessment is required for most BHSF cash plans.
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Did you know health cash plans existed before reading this, and would you consider trying one? Tell me in the comments
This post contains affiliate links, which means I may receive a small fee if you sign up for some of the products or services recommended, at no extra cost to yourself.
