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COVID-19 Temporary Pension Withdrawal
New to Bermuda
Health coverage for the temporary visitor
Customer Due Diligence (AML)
_______________________________________
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FAQs
Financial calculators
Forms
How to make a claim
LiveWell
Medical providers
Newsletters
Pension Funds
Knowledge centre
Understanding preventative healthcare
Understanding your health insurance premiums
Understanding hurricane preparedness
Understanding underinsurance
About
Company overview
The BF&M difference
Leadership
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Claims
Personal Insurance
Commercial Insurance
Personal Investing and Retirement
Employee Benefits
Health Insurance
Shareholder Services
Claims
If I make a claim, will my insurance premiums increase at the next renewal date?
How long does it take to process an insurance claim?
How do I know if my insurance claim is covered by my policy?
What is a deductible?
Personal Insurance
Motor Insurance
Can I drive any car with my insurance?
How do I get an online quote for Motor insurance?
Am I covered to drive elsewhere?
Do young drivers need specific coverage?
Can I temporarily add a driver to my car insurance?
Home Insurance
Is my pool or hot tub covered?
Does home insurance cover accidents?
Does my home insurance cover flood damage?
Does my home insurance cover hurricane damage?
What are the risks of my home being underinsured?
How do I calculate my sum insured?
Is true replacement cost of my home the same as market value?
How do I get an online quote for Home insurance?
Marine Insurance
Do I need to insure my vessel?
Do I need to provide a mooring inspection certificate?
Am I covered for hurricanes or windstorms?
What type of damage is my vessel covered for?
What happens if I take my boat out of the water for a period of time after I’ve paid the premium?
How can I reduce my insurance premiums?
Which vessels require a survey?
How do I get an online quote for Marine insurance?
Travel Insurance
Does my Travel Policy cover losses as a result of a Pandemic?
Does my travel insurance cover last minute cancellation of cruise holidays?
What is covered under my travel insurance policy?
What happens if my passport is lost or stolen while I’m traveling?
What if I change my mind? Can I get a refund on my insurance?
Are my electronics (laptop, mobile phone, camera, etc.) covered?
How do I get an online quote for Travel insurance?
Commercial Insurance
Getting started
Why does my business need Commercial Insurance?
How do I protect my business in the event of a disaster (e.g. fire or hurricane)?
Will Commercial Insurance help me if I get sued?
What is my claims contribution (deductible/co-pay/excess/etc.)?
In the event of a claim, what happens if the replacement values for my property are incorrect (too high, too low)?
Property Insurance
I run my business from my home. Do I need separate insurance or am I covered by my home insurance?
What falls under the definition of property?
What is covered by Commercial Property Insurance?
I have a laptop and cell phone that I use for business purposes. Can these be covered under this policy?
How do I know how much to insure my commercial building and assets for?
Do I qualify for a discount if I have installed fire and security alarm systems?
Contractors Insurance
What is the standard coverage under BF&M's Contractors' All Risk insurance policy?
Why is Contractors' All Risk Insurance necessary?
Who is covered by a Contractors' All Risk Insurance policy?
How can I customise my policy to my needs?
Do I need Contractors' All Risk insurance if I already have Property or Liability Coverage?
If the sub-contractors already have liability insurance, do I need to take out a Contractors' All Risk policy?
Liability Insurance
What commercial liability products does BF&M offer?
What happens if a member of the public or an employee is injured on my business premises?
Public Liability insurance vs. Professional Indemnity insurance: What's the difference?
If I submit a claim under my Public Liability Insurance policy, is a deductible/co-pay/excess applicable?
Will my policy automatically cover my new business locations or activities?
Travel Insurance
What happens if an employee is sick or hurt while traveling for business purposes?
How can I customise my policy to my business needs?
Does the policy cover expenses relate to lost luggage?
Are weather delays covered?
Motor Insurance
What is Commercial Motor Insurance?
What Commercial Motor Insurance options do you offer?
What is covered under my Commercial Motor Insurance policy?
What is third party Liability Insurance?
What happens if my business doesn’t have Motor Insurance?
I’m self-employed and use my personal car for business travel/deliveries. Do I need separate insurance?
Marine Insurance
What is Commercial Marine Insurance?
What Commercial Marine Insurance options do you offer?
Can I purchase Commercial Marine Insurance online through BF&M’s website?
What type of damage are my business vessels covered for?
Which vessels require a survey?
Workers Comp
What is Workers' Compensation and common law liability?
What types of accidents are covered by Workers' Compensation insurance?
What happens if my business doesn’t have Workers' Compensation Insurance?
What Workers' Compensation Insurance options does BF&M offer?
What businesses are legally required to have Workers' Compensation insurance in Bermuda?
Personal Investing and Retirement
How long does it take to process and invest a contribution?
What fees are attached to my retirement and investment account?
What type of retirement and investment products does BF&M offer?
How can I contact BF&M about my retirement and investments?
How do I know if I'm saving enough for retirement?
How do I make a contribution?
What individual retirement and savings plans does BF&M offer?
Employee Benefits
Getting started
What type of insurance does my company need?
How do I know if my group has enough coverage?
What types of employee benefit plans are available to my company?
What information will I need to provide?
Can group members convert their group plan policy to an individual policy if they leave the group?
Do group benefits cover plan members when traveling outside of Bermuda?
Group Life and Disability Insurance
What is Group Long Term Disability Insurance?
Why should I provide Group Disability Insurance to my employees?
What is the difference between Short Term Disability and Long Term Disability?
What levels of Group Life and Disability Insurance coverage do you offer?
How much Group Life Insurance can I get?
Can I cancel my Group Life Insurance at any time?
Can employees continue to receive Group Life Insurance coverage after retirement?
What type of coverage levels do you offer for Group Life Insurance?
What is a beneficiary and how can an employee’s beneficiaries be verified or changed?
If an employee leaves the company, are they still able to receive Group Life Insurance?
Group Health Insurance
Who can apply for Group Health Insurance?
What type of Group Health Insurance do you offer?
What dental options do you offer?
Will my group's insurance premiums increase if someone gets sick?
Will existing health conditions for group members be covered?
Group Pension
Can I contribute over the age of 65?
What is the required contribution on a monthly basis?
What are my pension options upon leaving employment?
Can I receive my funds in cash or a lump-sum?
How do I make voluntary contributions?
How do I access my account information online?
Am I required to enroll in a pension plan?
What are my options upon reaching retirement age?
What is the minimum account balance for a group policy?
What is a surplus account and how does it work?
What payment methods are available to fund our contributions?
Does BF&M offer on-site education and information sessions?
What type of group retirement and investment products does BF&M offer?
Health Insurance
How do I submit a health claim for personal reimbursement for out-of-pocket expenses?
How long does it take for my health claims submission to be processed?
Who do I contact if I have questions about Health Insurance?
What is the Standard Premium Rate (SPR) and what does it include?
What is the Standard Health Benefit (SHB) and what does it cover?
What is the Mutual Reinsurance Fund (MRF) and what does it cover?
What are supplemental benefits?
Does BF&M provide student Gap Year coverage?
What does basic dental cover?
What does comprehensive dental cover?
Can BF&M help if I have questions about a medical diagnosis?
Can BF&M help if I need a second opinion on a medical diagnosis or suggested treatment plan?
What is an out-of-pocket expense?
Will BF&M cover my maternity expenses?
How do I keep prescription costs down?
Do I need a referral to see a specialist?
How do I see my health claim details?
Does BF&M cover pediatric assessments and treatment for ADD, ADHD and Pervasive Developmental Disorders?
What is the WorldCare Medical Second Opinion (MSO) service?
Does BF&M administer and pay local hospital claims?
What nutrition education services does BF&M offer?
Overseas
Who should I contact if I need overseas treatment?
Can I use all of my health benefits overseas?
What is the authorisation process for overseas benefits?
Can I go overseas for treatment without authorisation?
Do I have coverage for prescription drugs overseas?
What should I do if I have been referred by my doctor for overseas care?
Is airfare and accommodations covered by BF&M for overseas treatment?
Can I take a companion with me if I require overseas treatment?
What happens if I have a medical emergency overseas?
How do I find out if a hospital is part of the BF&M Overseas Provider Network?
Shareholder Services
How do I buy or sell BF&M Shares?
What is the current value of BF&M Shares?
How do I update my shareholder account details including contact and/or payment information?
How do I transfer my shares or change the registration name?
When are dividends being paid?
How do I request a replacement payment?
I am a beneficiary or executor of shares, what are the next steps?
Didn't find what you were looking for?
Call a BF&M representative for more information.
+1-441-295-5566