<?xml version="1.0" encoding="UTF-8"?>
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:boemd_tab_IR.19.01.01.22="http://www.bankofengland.co.uk/data/xbrl/md/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22" xmlns:gen="http://xbrl.org/2008/generic" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://www.bankofengland.co.uk/data/xbrl/md/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22" elementFormDefault="qualified">
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="ir.19.01.01.22-def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ir.19.01.01.22-lab-codes.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ir.19.01.01.22-lab-en.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="ir.19.01.01.22-rend.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType id="role" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22">
        <link:usedOn>gen:link</link:usedOn>
      </link:roleType>
      <link:roleType id="role1" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/1">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role10" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/10">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role11" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/11">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role12" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/12">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role13" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/13">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role14" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/14">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role15" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/15">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role16" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/16">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role17" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/17">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role18" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/18">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role19" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/19">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role2" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/2">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role20" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/20">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role21" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/21">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role22" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/22">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role23" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/23">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role24" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/24">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role25" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/25">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role26" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/26">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role27" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/27">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role28" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/28">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role29" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/29">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role3" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/3">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role30" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/30">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role31" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/31">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role32" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/32">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role33" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/33">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role34" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/34">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role35" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/35">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role36" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/36">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role37" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/37">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role38" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/38">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role39" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/39">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role4" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/4">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role40" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/40">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role41" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/41">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role42" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/42">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role43" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/43">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role44" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/44">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role45" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/45">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role46" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/46">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role47" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/47">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role48" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/48">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role49" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/49">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role5" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/5">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role50" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/50">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role51" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/51">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role52" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/52">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role53" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/53">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role54" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/54">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role55" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/55">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role56" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/56">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role57" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/57">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role58" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/58">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role59" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/59">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role6" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/6">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role60" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/60">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role7" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/7">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role8" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/8">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="role9" roleURI="http://www.bankofengland.co.uk/data/xbrl/md/role/fws/insurance/ir/2025-10-02/tab/IR.19.01.01.22/9">
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <xsd:import namespace="http://xbrl.org/2008/generic" schemaLocation="http://www.xbrl.org/2008/generic-link.xsd" />
</xsd:schema>
