We are an independent and specialist healthcare broker. We do not funnel clients to pre-negotiated insurers, we treat our private and corporate clients as ‘unique’ and find solutions that perfectly fit their needs and objectives. BDHL has many years of experience and offers a trusted and excellent service.
UK and International Medical Insurance for groups and individuals, Group Income Protection (often referred to as GIP or PHI), Group Life (often referred to as Death in Service), Group Critical Illness, Dental, Cash Plans, Group Travel. Also have partner arrangements with pension specialists.
BDHL has agency agreements with all the leading insurance providers, niche and specialist providers. Providers include: Aviva, AXA PPP Healthcare, Bupa, PHC, Vitality Health, April UK, Freedom Health, General & Medical, Cigna, Healix, AM Trust, Canada Life, Ellipse, L&G, MetLife, Omnilife, Optimal, Unum, Zurich.
Generally BDHL are paid commission by the insurers. However, we can work on a pre-agreed “fee basis” which would be dependent on criteria such as insurance type and group size
We can accommodate all client sizes and types procuring the best solutions for them.
In fact some insurers do not work with the bigger brokers so we are often better placed to find a more exacting fit and solution for our clients’ needs where other brokers can fall short.
You will be provided with a dedicated Account Manager (one point of contact). Annual market reviews (biennial for Life and GIP). Advice on introducing health and wellbeing strategies to your organisation. On-going scheme management and face-to-face meetings as and when required. BDHL also offers assistance in complex technical situations or claims issues.
Full fact find to establish your company’s needs and objectives, any overlapping benefits, advice on where we think you can save money or indeed if you are falling short compared to competitors in your industry. If the scheme is already in place, we will look at why it was implemented in the first place and ensure your current arrangements continue to meet those objectives.
BDHL has a number of large corporate clients, from high street brands to a well-known European professional sports organisation! Their policies range from Claims rated Medical Insurance to Healthcare Trusts.
The most popular benefits currently are Health Insurance, Group Life, Critical Illness, Income Protection and Pensions. A significant number of employers also offer childcare vouchers, cycle to work schemes, discounts on gyms/high street shopping. All of which BDHL can help with. However, we will establish your industry pressures and needs during our fact find and will be able to tailor our recommendation on a case-by-case basis.
There are many factors involved in calculating a premium not least your industry, job, role, salary, age, profile and level of cover required. You can get cover for less than £100 per person per year and BDHL are able to discuss these options with you.
Improves employee/employer relations. Employee feels valued. Employees returning back to work sooner after illness or injury. PMI is a key benefit that can help attract and retain your best staff. Often provides value added benefits (discounts on gyms, shopping etc.) so providing a tangible benefit even if not ill.
For new policies any pre-existing or planned medical treatment would be excluded from cover and for existing policy holders wanting to transfer to a different insurer special transfer terms can be arranged. For group schemes usually of 10 or more it is possible to disregard medical histories.
We can cover a group scheme of one member. However, most insurers would look at a minimum of three employees.
Whether you need Health Insurance, International Group Life, International Travel etc. We can find a solution for you. Even if in countries such as Afghanistan and Libya.