The Exeter Health Insurance Review

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We offer free and no obligation advice on Private Health Insurance and the Exeter reviews. Our experienced advisors will take the stress away from you and do all the hard work to find you the best provider by comparing quotes with the leading providers in the market. We have worked directly with AXA, Aviva, Bupa and Vitality for over 40 years, we have been tailor-making the best policies for our customers.

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We will be there for you throughout the claims process to ensure that it is easy and stress-free.

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:

  • Access to private medical facilities
  • Mental health services and support
  • Cancer treatment 
  • 24/7 virtual GP appointments through the HealthWise app
  • No annual limits on out-patient surgeries
  • Personalised policy options to fit individual needs

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.

Stuart Hendy

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 surgeryYou can have surgery performed on a day-patient basis without staying overnight in the hospital.
Comprehensive Cancer CoverEvery 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 BenefitYou 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 nursingThe core benefits includes nursing care for members in their homes after a hospital stay or illness.
Private ambulanceThe Exeter medical insurance offers cover for private ambulance services, ensuring that individuals have access to high-quality and timely medical transportation when needed
Parent Accommodationalso 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 therapyExeter 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 CoverThere 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.
TherapiesUnlimited
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 HealthYou 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.

  • Pre-existing conditions – Medical conditions that existed before you took out the policy may not be covered, or may only be covered after a specific waiting period.
  • Routine and preventative care – Routine check-ups, a regular dental or eye exam, or other preventative care may not be covered under the policy.
  • Cosmetic treatment – Cosmetic or elective medical procedures, such as plastic surgery or cosmetic dentistry, may not be covered.
  • Natural ageing or wear and tear – Expenses related to the natural ageing or wear and tear of the body, such as hearing aids and glasses, may not be covered.

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.

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.

Hospital List

Guided speacialistthe Exeter will refer you to three closest hospitals.
Essential Hospital ListIncludes hospitals from major hospital groups as well as NHS private patient units.
Standard Hospital Listwhich broadens the scope of the Essential list to include independent hospitals and clinics.
Extended Hospital Listwith 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 .

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 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

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Frequently Asked Questions

The Exeter offers five excess options, these are £0, £100, £200, £500, £1000, £3000 and £5000 per person per policy year. The excess is one of the factors to move your monthly premium up or down.

Yes, you can still use NHS services even if you have health insurance with The Exeter. Your health insurance policy with The Exeter will cover your medical expenses for the services that are included in the policy.

Yes, like any private medical insurance policy, Exeter Health Insurance has exclusions that are not covered under the policy. The specific exclusions will vary depending on the terms and conditions of your policy agreement.

Here are some general exclusions that may apply to Exeter Health Insurance policies:

  • Pre-existing conditions
  • Chronic conditions 
  • Cosmetic treatments
  • Infertility treatment and childbirth
  • Organ transplant and Kidney Dialysis
  • Treatments for drug abuse or addiction

Yes, The Exeter offers a No Claims Discount (NCD) to customers who have not made any claims on their health insurance policy. The NCD works similarly to car insurance; by not claiming your policy, you will receive a discount on your policy when it is renewed.

Parental accommodations are covered by The Exeter health insurance.

It’s entirely up to you, however, it is generally recommended to have health insurance as it can provide financial protection against unexpected medical treatment whilst the current long wait Nationa Health Service.

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