BHSF (Birmingham Holiday Saturday Fund)
Come back!! Don’t panic, this post is not just for people who live in Birmingham as the title may suggest.
Right, let’s start again. BHSF are a not-for-profit health and wellbeing provider, who focus on individual & employee wellbeing. They provide health insurance for individuals, employees and intermediaries at affordable prices.
The service I will be writing about is the “Health Cash Plan” as this is what I have but the other services that they provide for are:
Personal
Employer
Additional Services
- Life insurance
- Personal Accident Insurance
- Will Writing
- Carer support services
- Corona Virus Support Services
- Occupational Health Services
- Sick Pay Insurance
- Employee Assistance Programme
- GP Helpline
- Employee Wellbeing
- Legal Support Services
- Mental Health Forum
WHAT DOES BHSF HEALTH CASH PLAN COVER?
With this plan you have a choice of an Individual Policy – covering the policy holder only or the Family Policy – covering the policy Holder, their partner and children)
The Cash Plan consists of five levels of cover, the higher the level, the more you can claim. Levels are listed below:
- Budget Plan
- Core Plan
- Value Plan
- Bonus Plan
- Premier Plan
Then there are age bands & cost start from as little as £5.16 per month and you get an annual limit for each service.
THE SERVICES COVERED ARE:
- Dental
- Optical
- Health Consolations
- Health Screening
- Hearing Aids
- Hospital Inpatient
- Hospital Parental Stay
- Recuperation
- Hospital Day Cases
- Maternity/Paternity
- Personal Accident
- Therapies (such as Acupuncture, Chiropractor, Chiropodist & others.
HOW DOES IT WORK?
Virtually like any insurance. If you use any of the above services & receive a valid to do. You literally upload your receipt, input which service it is for, the date, the amount and then submit. Every claim that I have submitted online I have received my payment into my bank within a few days.
A few things to note:
- Service providers for Therapies need to be registered. Details of which register(s) can be obtained from BHSF.
- A percentage reimbursement of costs ranging from 50% -75% up to the stated maximum per benefit year.
ARE HEALTH CASH PLANS WORTH IT?
I have been with BHSF for about 5 years now and have definitely benefited from it. My plan costs me £14.56 per month = £174.72 annually.
If you are some who doesn’t use any of the services listed on a regular basis then this is not for you as your monthly payments could end up costing more than your monthly payments
This year alone I have been to the dentist twice and had work costing me a total of £125 (£62.50 each time) both of which I have been reimbursed a total of £93.75 (75% off the bill each time) which is more than half of the amount I pay annually for the policy. I think that is brilliant, don’t you? I also see the opticians annually and I have claimed for not only the eye test but also for my prescription glasses.
So, in answer to the question, that I am asked by family & friends who I have told about this healthcare plan, YES I think it is worth it.
DISCLAIMER
All views expressed in this post or on this site are my own and do not represent the opinions of any entity whatsoever with which I have been, am now, or will be affiliated.
