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
Exeter Health Insurance offers a range of benefits, including:
These additional benefits should make Exeter a strong choice for those seeking comprehensive and flexible healthcare coverage.
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 | Exeter Health Insurance offers coverage 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.
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 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 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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