The Exeter Health Insurance Review
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The Exeter Health Insurance
The Exeter is a UK-based not-for-profit financial services company that has sold private health insurance policies since 2008. Established in 2008, the company offers a range of products, including health insurance, life insurance, income protection, and critical illness cover. Exeter is a member of the British Friendly Society, which focuses on providing financial support to its members. The company’s headquarters is located in Exeter, and it is a proud Association of Financial Mutuals member. Regulated by Prudential Regulation Authority.
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The Exeter Private Health Insurance Policy Review
Exeter Health Insurance offers comprehensive coverage through its Health+ plans, which include a range of benefits such as access to private medical aids, mental health cover, and cancer treatments. The company is highly regarded for their excellent customer service and support. While there have been some reports of slow claim processing times, overall, Exeter Health Insurance is a top choice for those seeking quality healthcare coverage.
The Exeter Key Benefits
The Exeter Insurance offers a range of benefits, including:
These additional benefits should make Exeter private health insurance a strong choice for those seeking comprehensive and flexible healthcare cover. You can find the Exeter health insurance reviews here.
Our expert says…
“Private Medical Insurance is becoming increasingly more popular due to the longer waiting times through the NHS and most people assume PMI will not be affordable given the increased cost of living over the past 12 months. However, as an independent broker with access to the leading UK health insurance providers such as Aviva, AXA, Bupa and the Exeter to name a few, there are hundreds of variations available at any one given time and therefore policies can be tailor-made to meet their requirements and budget.“
– Stuart Hendy, PMI expert
The Exeter Core Cover
Exeter Health Insurance’s Core Cover provides comprehensive health care coverage with the following benefits:
| Unlimited in-patient and day-patient treatment: | With Health+ you can receive no fee in- patient treatment for as long as necessary without a set cap on the number of days or nights you can stay in the hospital. |
| Outpatient surgery | You can have surgery performed on a day-patient basis without staying overnight in the hospital. |
| Comprehensive Cancer Cover | Every Health+ member can access comprehensive cancer treatment at all stages, including chemotherapy, radiotherapy, and biological therapy. The Exeter will support you during and after the diagnosed cancer. For more information on cancer cover please read over the latest guide to Health Insurance Cancer Cover. |
| NHS Cash Benefit | You can receive cash payments of £150 per for each night you spend in an NHS hospital or for certain NHS treatments for up to 30 nights, which can help cover costs associated with your healthcare needs. |
| Home nursing | The core benefits includes nursing care for members in their homes after a hospital stay or illness. |
| Private ambulance | The Exeter medical insurance offers cover for private ambulance services, ensuring that individuals have access to high-quality and timely medical transportation when needed |
| Parent Accommodation | also you can get parental accommodation, allowing you to be near your hospitalised child and ensuring continuity of care and support. |
| A child under the age of 14 who is experiencing a delay in development can have six sessions of speech therapy. | |
| Post-surgical therapy | Exeter Health Insurance offers coverage for post-operative physiotherapy, ensuring that individuals receive the necessary rehabilitation and support for a successful recovery after surgery. |
The Exeter Optional Extras
With Exeter Health Insurance, you have the flexibility to enhance your policy by adding extra coverage options and tailoring your plan to meet your unique healthcare needs and preferences:
| Outpatient Cover | There are four options to choose from inpatient treatment for: Unlimited Up to £1000 per year per policyholder Up to £750 per year per policyholder Up to £500 per year per policyholder Health+ out-patient coverage includes specialist fees and diagnostic testing such as X-rays, ECGs, and pathology tests at your qualified hospital list. Core coverage includes CT, MRI, and PET scans as usual. |
| Therapies | Unlimited Up to £1,000 cover per year per policyholder Up to £500 per year per policyholder Therapies coverage includes treatment by a GP or specialist referred by: Physiotherapist Chiropractor Osteopath Acupuncturist Podiatrist Speech therapist Pain Clinic Dietician |
| Mental Health | You can opt-in for a mental health benefit with your Health+, this will include: In-patient– only specialist consultation fees, diagnostic tests, therapy, and hospital charges Outpatient– Psychiatric treatment costs for psychiatrists, psychologists, and cognitive behavioural therapists. |
What isn’t covered?
While Exeter Health Insurance provides comprehensive coverage for a range of healthcare services and treatments, there are some things that are not covered by their policies.
It’s important to review the specific exclusions of your Exeter Health Insurance policy to understand what is and isn’t covered. If you have any questions about your policy, you can always contact The Exeter customer service for assistance.
Healthwise App
Exeter Health Insurance also offers an innovative app called “Exeter Healthwise”. The app is available for iOS and Android devices and provides a range of features to help users manage their health and well-being. This comes with your core cover:
Digital GP
Offers users virtual consultations with a practising GP, prescription delivery, and access to patient records. The app aims to improve the healthcare experience and reduce strain on NHS resources.
Physiotherapy
You can use an app for exercises to manage and prevent injury. It also offers consultations with physiotherapists via video call for personalised care.
Mental Health
Provides access to mental health therapy, including cognitive behavioural therapy, mindfulness, and relaxation exercises. It helps you manage anxiety, depression and stress
Lifestyle and Nutrition
This will help you make healthier choices and improve your overall well-being. It provides personalised recommendations and advice and allows users to track their progress towards meeting their goals.
Contact our trained health insurance specialists to analyse the benefits and drawbacks of private medical insurance offered by all UK health insurance companies.
The Exeter Health Insurance underwriting options.
The Exeter offers four underwriting options for their health insurance plans, which determine how the insurer assesses and prices the risk of providing coverage to an individual. Underwriting options may include:
Full Medical Underwriting
With this option, The Exeter will assess the applicant’s medical history and current health status in detail to determine the coverage and premium. This may involve providing detailed information about pre-existing conditions, past medical treatments, and current health status. The coverage and premium will be based on the individual’s health risks as assessed by the Exeter
Moratorium Underwriting
Under this option, The Exeter may impose a moratorium period during which coverage for pre-existing conditions is excluded. After a certain period of time, typically 2-5 years, coverage for pre-existing conditions may be considered if the individual has not sought treatment or advice for those conditions during the moratorium period. Premiums may be lower compared to full medical underwriting, but coverage for pre-existing conditions may be restricted during the moratorium period.
Underwriting Switch Moratorium Underwriting
With this option, The Exeter does not consider the individual’s medical history or pre-existing conditions when determining coverage or premium. This means that the individual’s medical history is not taken into account, and coverage is provided for all conditions, including pre-existing conditions, without personal medical exclusions. Premiums may be higher compared to other underwriting options as the insurer assumes a higher level of risk.
Medical History Disregarded (MHD) Underwriting
This option allows individuals who are already covered under an existing health insurance policy with another insurer to switch to an The Exeter plan without providing detailed medical information. A moratorium period may be imposed during which coverage for pre-existing conditions may be excluded, and after a certain period of time, coverage for pre-existing conditions may be considered if the individual has not sought treatment or advice for those conditions during the moratorium period.
It’s important to note that underwriting options and their availability may vary depending on the specific The Exeter health insurance plan, location, and individual circumstances. It’s recommended to review the policy terms and conditions, including the underwriting options, to understand how the coverage and premiums are determined and what limitations or exclusions may apply. Consulting with a qualified insurance professional or AXA representative can also help in understanding the underwriting options available for a particular health insurance plan.
Cover options
Exeter Health Insurance provides various cover options to accommodate your needs. The core cover includes essential services such as inpatient and day-patient treatment, cancer care, CT, MRI and PET scans, outpatient surgery, private ambulance services, and parental accommodation. These are provided without any financial limits, ensuring comprehensive protection.
Inpatient Cover
Under Exeter’s policies, inpatient treatment covers unlimited treatments. This includes specialist consultations, diagnostic tests and hospital charges for overnight stays. Medications, surgeries and other necessary procedures are also covered. For mental health, inpatient care is restricted to 28 days per policy year in specified psychiatric facilities. You can rely on comprehensive support for medical conditions requiring extended hospital stays.
Day-Patient Cover
Day-patient treatment is fully covered under Exeter’s core plan. This includes medical care, diagnostic tests and minor surgeries that require a hospital stay without an overnight admission. The policy also extends to medications and hospital fees associated with eligible day-patient treatments. For mental health, day-patient care is either excluded or limited to 28 days per year, depending on the policy terms.
Outpatient Cover
Exeter Health Insurance provides flexible options for outpatient cover. You can choose the level of cover at the start of their policy, with options ranging from no cover to £500, £1,000 or unlimited coverage. Outpatient services include surgical procedures, specialist consultations, diagnostic tests (such as X-rays, CT, MRI and PET scans) and treatments like cognitive or psychological therapies. Choosing higher outpatient cover increases premiums but ensures comprehensive access to private healthcare services.
Cancer Cover
Offers extensive cancer care, covering all stages of the disease. Once diagnosed, members receive unlimited comprehensive cancer treatment for specialist consultations, diagnostic tests and treatments such as chemotherapy, hormone therapy and radiotherapy. Surgery, including tumour removal and reconstructive procedures, is also fully covered. Advanced treatments like stem cell or bone marrow transplants are included, although experimental therapies are excluded. Palliative and end-of-life care, aimed at improving quality of life, is covered, along with a £250 hospice donation for members receiving terminal care.
Add-Ons and Additional Benefits
You can enhance your medical insurance policy with optional add-ons tailored to your needs. These include:
-Additional outpatient cover for diagnostics and specialist therapies.
-Unlimited diagnostics to include a broader range of tests and scans.
-Mental health support for extended cover of inpatient, day-patient and outpatient psychiatric care.
-Therapies such as physiotherapy, osteopathy, acupuncture and speech therapy.
These add-ons allow policyholders to customize their plan, ensuring greater access to specialized treatments while managing premium costs.
Excess Option
One of the key features of its plans is the excess option, which allows customers to choose how much they are willing to pay towards the eligible treatment costs before their insurance coverage kicks in.
Zero Excess
- You are entitled to three specialist consultations per year.
- There is no annual limit when referred by a consultant for diagnostic tests.
- There is no annual restriction when a specialist refers you to a dietitian, orthoptist, speech therapist, or nurse.
No Outpatient
By selecting this option, you will restrict your cover to out-of-hospital surgery, CT, MRI, and PET scans.
You can choose from:
£0
£100
£250
£500
£1,000
£3,000
£5,000
Higher excess levels usually lead to lower monthly premiums, while lower excess levels mean you’ll pay less out of pocket when making a claim but have higher premiums.
How Does Excess Work?
Example Scenario:
If your policy has a £250 excess and your treatment costs £1,000, you’ll pay the first £250, and Exeter will cover the remaining £750.
If your treatment costs £200, you will pay the entire amount, as it doesn’t exceed the excess.
Policy-Year Application:
Excess is charged only once per policy year. If you pay the £250 excess on your first claim, subsequent claims within the same year won’t require additional excess payments.
Family Policies:
Each member covered by the policy has their own individual excess amount.
How Does Excess Affect Premiums?
Low Excess (e.g., £0–£250): Higher premiums but reduced out-of-pocket costs during treatment
High Excess (e.g., £1,000–£5,000): Lower premiums but greater initial expense for claims.
Choosing the Right Excess Level
Consider your financial situation and healthcare usage:
- Low excess is better if you expect frequent claims or want minimal out-of-pocket costs.
- High excess is suitable if you’re unlikely to need claims and want to save on premiums.
Excess plays an important role in customising your health insurance to balance affordability.
No Claims Discount (NCD) Option
Exeter Health Insurance rewards you with a No Claims Discount (NCD) if you don’t make claims. This means you can save money on your premiums over time. The NCD has 15 levels, and at the top level, you could get up to 75% off your premium.
How It Works?
- Moving Up: Each year you don’t make a claim, you move up a level, and your discount increases.
- Staying: If your total claims in a year are less than £300, you stay at the same level.
- Dropping Down: If you claim more than £300 in a year, you may drop-down:
- Claims of £300.01 to £1,000 -Lose one level.
- Claims of £1,000.01 to £2,000-Lose two levels.
- Claims over £2,000 – Lose three levels.
Discount Levels
As you move up the levels, your discount gets bigger:
Level 0: No discount
Level 5: 39% discount
Level 10: 63% discount
Level 15: 75% discount
Example Scenario:
Let’s say you’re at Level 7 with a 50% discount. If you make claims totalling £800, you’ll drop to Level 6 and get a 45% discount when you renew. The NCD helps you save money and encourages you to use your insurance wisely while keeping premiums low.
Hospital List
| Guided speacialist | the Exeter will refer you to three closest hospitals. |
| Essential Hospital List | Includes hospitals from major hospital groups as well as NHS private patient units. |
| Standard Hospital List | which broadens the scope of the Essential list to include independent hospitals and clinics. |
| Extended Hospital List | with this option you can get access to most private hospitals and clinics includinng London HCA hospitals. |
How much does health insurance cost with the Exeter?
The cost of health insurance with the Exeter is broken down below. These are based on non-smoker 25 years old individuals who are in good health and have no pre-existing conditions. As the table shows, you may adjust the pricing to your needs by lowering your excess and your hospital list .
Guided Specialist
| Excees per year | Monthly premium |
| £500 | £45 |
| £250 | £51 |
| £0 | £63 |
Essential Hospital List
| Excees per year | Monthly premium |
| £500 | £52 |
| £250 | £58 |
| £0 | £65 |
Standard Hospital
| Excees per year | Monthly premium |
| £500 | £59 |
| £250 | £65 |
| £0 | £72 |
Extended Hospital
| Excees per year | Monthly premium |
| £500 | £66 |
| £250 | £72 |
| £0 | £79 |
Choosing the best health insurance plan for your needs can be challenging, especially if there are many options available. Contact our specialist for assistance to help you navigate through this difficult process and compare health insurance quote for you.
How does The Exeter health insurance renewal work?
Exeter’s health insurance coverage resets every 12 months from the start date of your policy, as indicated on your policy certificate. This means your benefits will renew annually on this date. If you decide to cancel your policy before the renewal date, your coverage will still be reset at the next annual renewal period.
Can I switch my current health insurance to the Exeter?
You can start a new policy with Exeter at any time. If your current policy is paid monthly, it’s best to wait until the end of the month. If you are paying annually, wait until the end of the policy year. Some insurers may offer refunds but will charge an admin fee if you switch mid-term. If your current policy was based on medical underwriting, Exeter may be able to transfer it without additional examinations. It’s helpful to speak with our brokers at PremierPMI first and then discuss your situation with Exeter.
How to Claim
There are three easy steps:
Contact or visit your GP
Contact The Exeter
The Exeter will access your claim and confirm if its successful
Remember to always keep copies of all the documents and correspondence related to your claim. If you have any questions or concerns, you can always contact Exeter Health Insurance or your insurance broker for assistance
How can I cancel the Exeter health insurance in the UK?
To cancel your Exeter health insurance, you can call customer support at 0300 123 3201 or email enquiries@the-exeter.com. A customer service representative will explain how the cancellation process works and what terms apply. If you’re switching to a different provider, the new insurer will likely offer support during the transition. Also, you can request to cancel your policy through your broker.
If you are wondering if you can cancel your policy at any time. If you don’t have any ongoing claims, you can cancel without any issues. If you have a planned visit or pending treatment, you’ll need to either cancel the appointment or pay out of pocket for the treatment. If you decide to cancel within the first 30 days after starting your policy, you’ll get a full refund, including the month you were covered. During this period, no claims can be made.
How can a broker can help you with your Exeter health insurance plan?
Brokers at PremierPMI can be very helpful when dealing with an Exeter health insurance policy. We can:
Provide Expert Advice – We explain the different policies offered by Exeter in detail, helping you understand which plan best meets your needs. We guide you through the complexities of policy features and benefits.
Help with Switching – If you’re looking to switch your existing health insurance to Exeter, we manage the process for you. We’ll liaise with Exeter and your current insurer to make the transition as smooth as possible, minimising any disruptions in cover.
Help with Medical Underwriting – If your current policy is based on medical underwriting, we ensure that your Exeter policy takes into account any existing health conditions. We assist in transferring your medical records and negotiating terms that work for you.
Offer Personalised Support – We provide personalised support throughout the insurance process, from choosing the right policy to making claims. We act as your advocate, assisting with paperwork, ensuring timely responses, and helping you understand any limitations or exclusions.
No Cost to You – Typically, using a broker to find and switch insurance policies does not cost you anything extra. Brokers are paid a commission by the insurance company, so their services are free to the customer.
By working with us at PremierPMI, you get professional guidance that can simplify the process and help ensure you get the best health plan and service from The Exeter.
What customers say about us
SOURCES
https://www.macmillan.org.uk/about-us/what-we-do/research/cancer-statistics-fact-sheet/
https://www.lasereyesurgeryhub.co.uk/data/cataract-statistics/
https://www.mytribeinsurance.co.uk/knowledge/private-medical-treatment-costs/
https://prohealthclinic.co.uk/blog/hip-replacement-cost-uk/
https://www.spirehealthcare.com/spire-little-aston-hospital/treatments/a-z/skin-cancer-treatment/
https://www.england.nhs.uk/2018/11/first-children-with-cancer-to-begin-treatment-with-revolutionary-car-t-therapy/
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