We are open with your safety in mind. We encourage you to reach us by phone or online.
For customer service and all business enquiries, call +1 441 295 5566  |  For website support or to set up an online account, call +1 441 298 0301

The application process for the one-time Pension Withdrawal of up to $6,000 per the COVID-19 Pension Act Amendment is open. Click here for details or to apply
For questions regarding the pension withdrawal, call +1 441 298 0358 or email customercare@bfm.bm

Back to FAQs

What is an out-of-pocket expense?

In Bermuda, an out-of-pocket expense refers to the difference between the insurance payment and your health care provider’s fee for services.

Compare healthcare providers to help minimise your costs. In Bermuda, different providers can charge differently, and are not mandated to publicise their costs; therefore, your out-of-pocket will vary between providers. 

In addition, for overseas hospital benefits, if you do not obtain authorisation prior to receiving care, or obtain care out-of-network, BF&M only pays a percentage of the claims charged. Any the balance of service owed is your out-of-pocket amount.


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