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Products
Personal
Commercial
Employee Benefits
Help and resources
New to Bermuda
Health coverage for the temporary visitor
Customer Due Diligence (AML)
_______________________________________
Articles and guides
FAQs
Financial calculators
Forms
How to make a claim
LiveWell with BF&M
Medical providers
Pension Funds
Knowledge centre
Understanding preventative healthcare
Understanding your health insurance premiums
How to navigate hurricane season in Bermuda
Understanding underinsurance
About
Company overview
Leadership
Community engagement
Media and investors
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FAQs
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Personal Insurance
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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?
Does BF&M administer and pay local hospital claims?
What nutrition education services does BF&M offer?
Overseas
How does the Travel Concierge service work and why should I use it?
Will my airfare coverage be affected if I don’t book through the Travel Concierge service?
Do I have to book my hotel through the Travel Concierge service?
If my hotel is booked through the Travel Concierge service, how will the payment work?
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?
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