Our people – meet the team

Richard Bamford

Managing Director & Health Insurance Expert

As well as running Citrus Healthcare, Richard is responsible for providing advice to clients.


With over 25 years insurance experience dealing and advising in the healthcare market, Richard has previously worked for a large consultancy firm and held senior positions at medial insurance providers with responsibility for over £250 million.


Richard’s business clients have ranged from just 2 to 8,000 employees and include six FTSE 100 and four Dow Jones listed companies.

Claire Bamford


Claire is responsible for running the office on a day to day basis.

Having worked in the healthcare market since 1997, Claire has previously worked for a large medical insurance provider and two consultancy firms.


Claire has experience of working with individuals and families, as well as businesses covering up to 100 employees.


She is knowledgeable, reliable and attentive to clients’ medical insurance needs.

Jackie Perretta

Office Administrator

Jackie is responsible for providing ongoing administration services to our individual and family clients.


With over 26 years’ experience in customer service, Jackie provides a trustworthy and professional service to our clients.

Client Managers

At Citrus Healthcare, Client Managers are responsible for providing day to day administrative support to business clients throughout their policy year.

Lisa Fryett

Client Manager

Having previously worked for a large medical insurance provider and before that a life assurance company Lisa has a wealth of knowledge in customer service and administration. She joined Citrus Healthcare in March 2016 and is enjoying her varied role managing the needs of our clients.

Zoe Goodman

Client Manager

Zoe joined Citrus Healthcare in February 2017 having previously worked for a leading UK insurer in project management and business development roles. She has over 20 years’ experience in administration, business development and customer care.

Victoria Kennedy

Client Manager

Victoria joined Citrus Healthcare in October 2015. She has a background in recruitment and has always worked within the financial industry. Victoria brings many years experience dealing with business needs.

Jo McCarthy

Client Manager

Jo’s background is in marketing and design and her experience has been primarily in the healthcare sector – having worked both agency and client-side for health insurers, pharmaceutical companies and medical charities.