BHSF Health Insurance Comprehensive Review: Pros, Cons & What's Included

At a glance: From £48/month · Comprehensive tier · Best for: fuller cover from a not-for-profit mutual, families wanting more outpatient headroom · Excess options: £0–£500

What is BHSF Health Insurance Comprehensive?

This is BHSF's upgraded tier above its standard Health Insurance plan, extending the outpatient limit and adding therapies as standard rather than as an optional extra, while keeping the same not-for-profit mutual structure and claims service reputation.

Who this plan is actually for

• People who want BHSF's mutual ethos and claims-time service reputation but need more outpatient headroom than the standard tier provides
• Families who expect more frequent outpatient consultations and want therapies included rather than added separately
• Buyers comparing mutual insurers (BHSF, WPA, The Exeter) who want the most complete BHSF product before deciding between providers

Pros

• Higher outpatient limit (£1,250/year) than BHSF's standard tier, meaningfully reducing the chance of exceeding your cap for routine consultations and scans
• Therapies included as standard, not a separate add-on — a genuine upgrade over the base BHSF plan's structure
• Retains the same not-for-profit mutual structure and strong claims-service reputation (Trustpilot ratings around 4.5/5) as BHSF's other products
• More excess options (including £0) than the standard tier, giving finer control over premium versus out-of-pocket cost

Cons

• Still a smaller hospital network than Bupa, AXA or Aviva — the upgrade addresses outpatient limits and therapies, not network breadth
• Dental and optical remain a separate add-on, even at this higher tier
• Limited brand recognition outside specific UK regions continues to apply, same as BHSF's other products
• The price increase versus the standard tier needs to be weighed against your actual expected outpatient use — if you rarely exceed £750/year in outpatient costs, the standard tier may represent better value

What's included as standard

Benefit	Coverage
Cancer cover	Full
Mental health	Included
Outpatient cover	£1,250/year
Therapies (physio etc.)	Included
Dental & optical	Optional add-on
No-claims discount	Available
Excess options	£0, £100, £250, £500

What it costs

Indicative pricing starts from around £48/month, roughly £12 more than BHSF's standard tier in exchange for a meaningfully higher outpatient limit and included therapies. Whether the upgrade is worth it depends on your expected outpatient usage — if you're likely to need physiotherapy or regular consultations, the inclusion of therapies as standard can offset the higher premium.

How it compares

This sits above BHSF's standard Health Insurance plan — see that full review for the lower-cost alternative. Against the wider mutual-insurer landscape, see our WPA vs Bupa guide for the general trade-offs between mutual specialists and larger composite insurers.

Should you choose this plan?

This plan suits you if you want BHSF's mutual ethos with more comfortable outpatient headroom and included therapies, particularly for a family that expects more frequent outpatient use. If your needs are lighter, the standard BHSF tier likely offers better value for the same underlying insurer.

A whole-of-market broker can see this plan alongside every other option on the table, including ones that might suit you better once your full circumstances are taken into account — which is why speaking to one before you buy is usually worth the five minutes it takes.

Speak to an adviser

Prefer to go direct? Get a quote from BHSF's own site →

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Prices and features in this review are indicative and based on publicly available product information. Your actual premium will depend on your age, postcode, medical history and chosen cover options. This article is for general information only and is not financial or insurance advice — always confirm current terms with BHSF or a regulated broker before purchasing.