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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

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What is the Standard Health Benefit (SHB) and what does it cover?

The SHB is the minimum health insurance coverage in Bermuda. Every employee, non-working spouse and child under the age of 18 is entitled to the care under the SHB by law. The determination of what benefits are eligible as SHB are set by Government.

Prior to June 1st, 2019, the premium collected under the SHB was primarily used to cover the majority of services performed by the Bermuda Hospital Board (BHB), including inpatient and outpatient services and diagnostic imaging, as well as services offered in the community by approved providers for dialysis, skilled nursing care in the home, and diagnostic imaging. The details of the SHB and these approved providers can be found on the Bermuda Health Council website

Effective June 1st, 2019, BHB services will no longer fall under the SHB, but will instead be financed by a Government block grant, funded through the MRF fee. Instead, SHB premiums retained by BF&M will only cover eligible SHB services offered in the community by approved providers.

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