BF&M - Health Insurance Products, Policies and Tips

Health coverage you can rely on

Comprehensive, worldwide wellness protection and a wide variety of options offered by BF&M health coverage makes facing health problems that much easier when difficult situations arise. We don't think you should ever have to face them on your own.

Health products and benefits include:

A wide variety of medical and dental product features for individuals
Tailored wellness programmes
100% coverage for generic prescription drugs
Direct deposit reimbursement for added convenience
24/7 web based claim tracking
24-hour access to Overseas Health Care Helpline
Access to Medical Remote Second Opinions
and FAQ sheet
Access to one-on-one medical guidance
Access to Mental Health Medical Remote Second Opinion
Access to LiveWell, our comprehensive holistic health and wellness programme

Individual Health coverage

At BF&M, our Individual Health Insurance plan provides coverage with a wide variety of options for preventative care, vision care, dental care, prescribed medications, and so much more.

Smart Care Benefits

Health coverage for temporary visitors

Access a comprehensive range of local health benefits from Bermuda’s leading insurer, crafted for the needs of the temporary visitor.

Find out more

Take charge of your health with BF&M's LiveWell programme.

LiveWell is a comprehensive, holistic health and wellness programme designed to help individuals better understand and manage their personal health and improve their quality of life.

Through LiveWell, you will have access to a variety of tools and resources, including:

Our individualised Wellbeing Activity Hub and dashboards
Engaging corporate wellness challenges
Healthy Habits programmes focused on nutrition, stress management and physical activity
Individual Wellness Assessments followed by individualised feedback and recommendations
Healthy lifestyle and chronic disease management programmes and events
LiveWell Rewards Programme

If your health insurance is with BF&M, you have access to LiveWell. Click here to login.

Access our LiveWell resources

Health Matters newsletters

Read our latest Health Matters newsletter for health updates, wellness tips and advice.

Learn more

Health portal user guide

Instruction on how to access the system and view your Health claims history.

Download the guide

Claims reimbursement directly into your account

Electronic funds transfers (EFT) are the quickest way to receive reimbursement paid directly into your local Bermuda dollar account.

Register today

Looking to submit a health or dental claim?

You can complete and submit your claims directly on our website, click here to get started. Need assistance? Read our guide on how to make a claim.

Why BF&M?

Insurance matters, and at BF&M we believe in making it straightforward.
You can trust us to be open, to talk in terms you can understand. And with over a century in the business and the strongest financial ratings going, you can depend on us to be there when you need us most.

Learn More

Articles & Guides

Making a claim is easier than you think: what to do and what you'll need

Get back on your feet right away by following these easy-to-follow steps.

I'm having a baby! Does my insurance need to change?

You’re having a baby – congratulations! Here's what you need to know.

View All Articles & Guides

FAQs

Who should I contact if I need overseas treatment?

If you are quarantined or are experiencing symptoms of COVID-19 in Bermuda, your Major Medical plan offers coverage for telephone consultations

BF&M will reimburse COVID-19 testing for medical travel only.

View More FAQs

Get a Health Insurance quote or call for advice.

+1-441-295-5566