Hold on a second—don’t rush away just because “Birmingham” is in the title! We promise this is for everyone, not just those in the West Midlands. So, let’s dive in. The Birmingham Holiday Saturday Fund (BHSF) is a non-profit health and wellbeing provider that’s all about keeping you and your team in top shape. They offer affordable health insurance for individuals, employees, and intermediaries. Today, we’ll focus on their “Health Cash Plan” and why it’s worth a closer look.
WHAT IS THE BHSF HEALTH CASH PLAN?
Let’s break it down. With the Birmingham Holiday Saturday Fund 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. Sounds good, right? This plan offers five levels of cover. The more you invest, the more you can claim. Here are your options:
- Budget Plan
- Core Plan
- Value Plan
- Bonus Plan
- Premier Plan
Costs start from just £5.16 per month, and you get an annual limit for each service. So, whether you’re looking for basic cover or something more extensive, there’s a plan for you.
WHAT DOES THE BHSF HEALTH CASH PLAN COVER?
Now, onto the good stuff—what’s actually covered? Here’s a rundown of the 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 pretty straightforward. If you use any of the covered services, just snap a photo of your receipt and upload it. Input the service type, date, and amount, then submit. In my experience, I’ve had my claims processed and money in my account within a few days. Easy peasy!
Just a heads up:
- 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?
Let me share my experience. I’ve been with BHSF for about five years, and I’ve definitely seen the benefits. My plan costs £14.56 a month, which is £174.72 a year. This year alone, I went to the dentist twice, with costs totaling £125. I got £93.75 back—more than half of what I pay annually! Plus, I claim for eye tests and glasses too.
So, if you’re someone who uses these services regularly, this plan could be a great fit for you. In my book, it’s worth every penny.
READY TO SIGN UP?
If this sounds like a plan that could work for you, head over to the Birmingham Holiday Saturday Fund website for more details and to get started. Click HERE to explore their Health Cash Plan options!
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