Total Health Insurance in a Changing World

Employee Assistance Programme – EAP

Employee Assistance Programme – EAP

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Death in Service Benefit

Death in Service Benefit

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Group Income Protection

Group Income Protection

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Group Critical Illness Cover

Group Critical Illness Cover

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Group Private Medical Insurance

Group Private Medical Insurance

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Group Health Cash Plan

Group Health Cash Plan

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Group Dental Insurance

Group Dental Insurance

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Group Travel Insurance

Group Travel Insurance

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BDHL Products Explained

  • Employee Assistance Programs EAPs and Occupational Health – provides council on a range of issues that could affect an employees ability to attend work
  • Death in Service Benefits (Group Life Assurance) – a tax free lump sum paid directly to your employee’s nominated beneficiary in the unfortunate instance wherein an employee suffers a death in service
  • Group Income Protection Insurance – continues to pay an employee in times of long term sickness absence until the employee returns to work or retires
  • Group Critical Illness Cover – a tax free lump sum paid directly to your employee should they be diagnosed and survive a serious critical illness e.g heart attack, stroke, cancer
  • Group Private Medical Insurance – provides employees with swift access to hospital treatment and specialist consultation
  • Health Cash Plans – affordable health care that provides reimbursement for visits to an optician, dental check-ups and bills, physiotherapy, chiropractor treatment, stress counselling and many other services
  • Group Dental Insurance – alleviates the stress of unexpected dental bills, providing cover for check-ups and routine care e.g fillings and crowns, oral cancer and accident and emergency treatment
  • Group Travel Insurance – provides security and peace of mind for employees on business trips whilst protecting the company from covering expenses in an unfortunate incident

Frequent Asked Questions

  • Why use Berwick Devoil Health Limited –  BDHL? We are an independent and specialist healthcare insurance broker. We do not funnel clients to pre-negotiated insurers, we treat our individual private and group corporate clients as ‘unique’ and find solutions that perfectly fit their needs and objectives. BDHL has over 25 years of experience and offers a trusted and excellent service.
  • How much does BDHL’s service cost? Generally BDHL are paid commission by the insurers. This commission amount is built into every premium and therefore appointing BDHL as your broker or using our services does not cost you anything extra. However, we can work on a pre-agreed “fee basis” which would be dependent on criteria such as insurance type and group size
  • Which insurers do BDHL work with? BDHL has agency agreements with all the leading insurance providers, niche and specialist providers. Providers include: Aviva, AXA PPP Healthcare, Bupa, The PHC, Vitality Health, April UK, Freedom Health, General & Medical, Cigna, Healix, AM Trust, Canada Life, Ellipse, L&G, MetLife, Omnilife, Optimal, Unum, Zurich.
  • What are BDHL’s “average” client, size and industry sector? We can accommodate all client sizes and types procuring the best solutions for them.
  • What are BDHL’s value added services? You will be provided with a dedicated Account Manager (one point of contact). Annual market reviews (biennial for Group Life/ Death in service benefit and Group Income Protection /GIP). Advice on introducing health and well being strategies to your organisation and the value of using these as an employee benefit. On-going scheme management and face-to-face meetings as and when required. BDHL also offers assistance in complex technical situations or claims issues.
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