The Exeter Health Insurance

High level review:

The Exeter are PMI specialists with a strong history of paying claims. They have been in business since 1928 and were recently rated the top health insurer provider in a leading consumer magazine’s survey of 830 policyholders. They are also 5 Stars on Trustpilot, rated Excellent.

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.

One thing that differentiates them from other health insurers is that they offer a choice between ‘no claims discount’ or ‘community rated’ policy. The latter is a structure where future premiums reflect the claims made by a wider pool of customers, not individual claims.

Voucher for switching healthcare insurance


Benefits Healthcare Clarity

** a £50 voucher for M&S or John Lewis will be sent to you after switching to a policy we recommend once you paid your second monthly premium to your insurer.

Other noteworthy points:

  • They try to offer competitive prices for families or those adding a partner to their policy.
  • Their HealthWise App offers quick and convenient medical advice and medical treatment services. HealthWise can be used without the need to claim on your policy, meaning it won’t affect your premiums or any ‘No Claims Discount‘.

Things to consider:

  • Limiting your outpatient cover with The Exeter to reduce the premium will also limit some outpatient scans and tests. In contrast, other providers like AXA Health and Vitality will fully cover these with a limited outpatient option.

The Exeter Key Benefits


Healthwise App

The Healthwise App gives you access to: 

  • Digital GP appointments 
  • Physiotherapy 
  • Mental Health support
  • Diet and nutrition advice

The Exeter Health+



In-patient and day patient treatment

Consultant and specialist fees

Diagnostic tests

Hospital treatment charges (including any necessary medical aids or take-home drugs).


Out-patient treatment 

CT, MRI and PET scans, including professional fees where appropriate. 

Out-patient surgery

Up to three sessions of post-operative physiotherapy

Cancer cover

Cover for all stages of cancer once diagnosed, including palliative and terminal treatment, with no time or financial limit.



Other benefits


Private ambulance

Home nursing

Parental accommodation

Hospice donation

NHS cash benefit – £150 per night for up to 30 nights

As a member of The Exeter, you have access to membership benefits that offer additional care and support.



Optional cover

Out-patient cover: Specialist consultation fees and diagnostic tests

Therapies cover: Treatment by a Physiotherapist, Chiropractor, Osteopath, Acupuncturist, Podiatrist, Speech therapist, Pain clinic or Dietician (maximum of two consultations)

Mental health: Inpatient treatment, out-patient treatment, and day patient treatments. In-patient and day-patient cover limited to 28 days of medical treatment and hospital charges.

What isn't covered?

Like all private health insurance providers The Exeter provide cover for acute conditions rather than chronic ones.  What medical underwriting you choose will also influence what you are covered for. As standard, The Exeter don’t cover: 

The Exeter Underwriting

The Exeter offer two 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. 
  • Continued Personal Medical Exclusions – this is used when you switch insurers and carry any current personal medical exclusions over from your old policy to your new one.
  • Continued Moratorium – if you have moratorium underwriting and want to switch insurer, it is possible to carry cover across for those same conditions with this underwriting.

Hospital List

The Exeter offer a choice of three hospital lists: Essential, Standard and Extended

The Exeter Health+ Policy Documents