The Exeter Health Insurance
The Exeter were establishing in 1927 and has strong roots in the protection industry. Each year they are shortlisted for a number of awards focussed on customer service and are 5 star rated in Trustpilot.
The Exeter is a mutual society, meaning they don’t have any shareholders to pay, which enables them to reinvest the profits back into the business for the benefit of their members.
If you are new to health insurance it’s quite possible that you may have never heard of The Exeter, however their customer service and comprehensive policy offering is not something to be overlooked.
The Exeter have continued to innovate their Health+ policy to offer a high level of cover at a competitive price.
The Exeter policy review
The Health+ policy is their main medical insurance policy. It covers inpatient treatment in full as well as comprehensive cancer cover as a standard benefit. The additional options allow members to tailor a policy to their needs or budget. The Exeter offer access to the Healthwise App for their members giving access to a range of additional benefits.
Things you may wish to consider
The Exeter offers four outpatient options to choose from. If you don’t include full cover for consultations and diagnostic tests you can still opt for full cover for diagnostic tests and only limit cover for consultations.
The Exeter offers both a No Claims Discount and a Community Rated option giving clients options depending on how they would like their renewal premium to be assessed.
The Exeter offers excess options ranging from £0 – £5,000.
A second opinion service is available free of charge through the Health Wise App to provide other treatment options and greater information on a diagnosis. Up to two second opinion consultations can be accessed each year
Mental health support with an allowance of up to 6 sessions per year with trained experts via video or telephone call.
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The Exeter health insurance benefits
Committed to our clients
The Exeter Health+ Core Cover
These benefits are included with The Exeter Health+ policies.
In-patient and day patient treatment
Full cover for hospital fees including operating theatre costs, diagnostic tests, nursing care, drugs & dressing, and physiotherapy
MRI, CT & PET Scans covered in full
Up to 3 sessions of physiotherapy following in-patient, day patient or outpatient surgery
Full cover for in-patient, day patient and outpatient treatment and consultations relating to cancer
Full cover for chemotherapy and radiotherapy
Full cover for NICE approved high-cost cancer drugs
NHS Cash Benefit
£150 a night up to 30 nights where you have treatment through the NHS where The Exeter would have covered your treatment privately
Full cover following authorised in-patient and day patient treatment
Paid in Full
Hospital accommodation for one parent is covered in full, while your child is receiving eligible treatment and is under the age of 18
If you are concerned about NHS wait times, explore private health insurance options
The Exeter Optional Extras
Full outpatient cover will provide unlimited consultations and diagnostic tests. With The Exeter, you can reduce your outpatient consultation allowance and maintain full cover for minor diagnostic tests such as X-rays, ultrasounds, and blood tests.
Vitality offers outpatient limits of £500, or £1,000. If you don’t select ‘full diagnostics’ this limit would apply to consultations, minor diagnostic tests and out of network physio. By selecting the full diagnostics option this limit would only apply for outpatient consultations.
The Exeter offers four limit options for therapies. These are £500, £1,000 unlimited or you can choose not to include this option.
Therapies covers for physiotherapy, chiropractic treatment, osteopathy, homeopathy, acupuncture, podiatry, speech therapy, pain clinic and two consultations with a dietician following GP or consultant referral
In-patient and day patient accommodation and nursing in full up to 28 days
Outpatient psychiatric treatment covered in full
Protected No Claims Discount
If you claim on the policy and your no claims discount is protected, your no claims discount will remain the same at the following renewal. The following year you would not be eligible to protect your no claims discount
The Exeter Underwriting
The Exeter offer three underwriting options on their health policies:
- Full Medical Underwriting– Where you disclose your medical history to The Exeter
- Moratorium Underwriting – Doesn’t require you to declare your full medical history upfront. Instead, it excludes cover for any conditions for which you have had symptoms, advice, or treatment during the past five years until you can go two years trouble free.
- Switch Underwriting – This is reserved for clients who have an existing medical insurance. Subject to a couple of medical questions The Exeter would continue your medical underwriting from the previous insurer.
The Exeter offer a choice of three hospital lists: Essential, Standard and Extended