Total Health Insurance in a Changing World

Private Medical Insurance

Private Medical Insurance

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Private Dental Insurance

Private Dental Insurance

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Low Cost Accident Protection Insurance

Low Cost Accident Protection Insurance

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Private Cash Plans

Private Cash Plans

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Private Income Protection Cover

Private Income Protection Cover

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Private Life Insurance Cover

Private Life Insurance Cover

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Private Serious Illness Cover

Private Serious Illness Cover

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Business Protection Insurance

Business Protection Insurance

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BDHL Individual Products Explained

  • Private Medical Insurance – allowing individuals and their families quick access to medical treatment and hospitals
  • Private Dental Insurance – aids towards the cost of dental treatment from routine check ups, hygienist appointments as well as emergency surgical procedures
  • Low Cost Accident Protection Insurance – specifically designed to provide financial support should you be unable to work due to sickness or injury
  • Private Cash Plans – providing money back for every day health care bills for example eye tests and counselling
  • International Private Medical Insurance – ensuring you and your family are covered and have access to medical care whilst abroad
  • Health Screenings – the opportunity to discover early intervention to any potential health problems
  • Private Life Insurance – is an insurance policy that pays out a tax free lump sum to your loved ones or your nominated beneficiary when you die.
  • Serious Illness Cover – If you’re diagnosed with a serious illness that is listed as covered on your policy then the insurance company will pay out a lump sum.
  • Income Protection Cover – If you get sick or injured and can’t work, income protection pays you part of your monthly income.
  • Business Protection Insurance – type of insurance that protects your business if a key person is diagnosed with a critical illness, or passes away. This includes key person insurance, shareholder protection insurance, relevant life insurance and business loan protection.

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 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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