The Exeter Health Insurance

The History of The Exeter

The Exeter was established in 1927 in Exeter and continues to this day to be based in the city in Devon. The Exeter originally traded under the name Exeter Family Friendly Society, but when they merged with Pioneer friendly society in 2008, they became Exeter Family Friendly. In 2015 they re-branded and became known as simply The Exeter.

Initially they only sold private medical insurance and income protection, but in 2015 they began offering cash plan schemes as well. In 2017 their range of products was extended further to include life insurance as well.

The Exeter Health Insurance Policy Review

Health+ is The Exeter’s sole health insurance product. They used to offer two separate policies, but these were merged to form Health+ in 2018. Inpatient and day patient treatments are covered in full with some outpatient cover for surgical procedures.

The Exeter Core Cover

Included as a base to your cover with The Exeter Health+ are the following benefits.

Benefit	Details
Unlimited In-patient and day patient treatment	Health+ core cover never limits in-patient and day patient treatment. Any treatment is made available for as long as it’s needed, at an eligible hospital on your chosen list.
Outpatient Surgery	If you need an out-patient surgical procedure it can be performed by a specialist at an eligible hospital on your hospital list.
Complete Cancer Cover	Every Health+ member has cover for all stages of cancer, including access to the latest drugs and treatments.
NHS Cash Benefit	If it’s easier for you to have free in-patient treatment under the NHS and the treatment would be covered under your policy, The Exeter will pay out £150 per night for up to 30 nights
Home Nursing	Sometimes patients still need nursing once they leave hospital. So, if required, home nursing is made available to in-patients & day-patients following treatment.
Private Ambulance	When it’s essential that an in-patient or day patient has medical treatment whilst they travel to, between or from hospital Health+ will provide a private road ambulance.
Parent Accommodation	If your children require treatment in hospital you can stay with your child (up to age 18) for as long as it takes.
Post-operative Physiotherapy	Often it can take more than surgery to get you back on your feet. If that’s the case The Exeter's core cover will provide up to 3 sessions of post-operative out-patient physiotherapy following in-patient, day-patient or out-patient surgery.

The Exeter Optional Extras

Additional optional extras are available to enhance your policy to suit your individual requirements:

Out-patient cover

Health+ offers four options for out-patient treatment:

Unlimited
Up to £1,000 cover per policy year
Up to £500 cover per policy year
No cover

Out-patient cover includes specialist consultation fees, diagnostic tests such as X-rays, ECGs and pathology tests at an eligible hospital on your hospital list.

CT, MRI and PET scans are included as standard under core cover.

Therapies

Health+ offers four options therapy treatments:

Unlimited
Up to £1,000 cover per policy year
Up to £500 cover per policy year
No cover

Therapies cover includes GP or specialist referred treatment by a:

Physiotherapist
Chiropractor
Osteopath
Acupuncturist
Podiatrist
Speech therapist
Pain clinic
Dietician (maximum of two consultations for each member per policy year).

Mental Health

Health+ offers two options for mental health cover:

Unlimited (28 days in/day patient cover)
No cover

Mental Health cover includes:

In-patient and day-patient: Specialist fees, diagnostic tests, treatment and hospital charges as an in-patient or day-patient.

Out-patient: Specialist consultation fees for psychiatric treatment including treatment by psychiatrists, psychologists and cognitive behavioural therapists.

Underwriting Options

There are four underwriting options available to you with The Exeter’s Health+ policy.

Full Medical Underwriting where you disclose your medical history to The Exeter
Standard Moratorium where you don’t have to disclose any medical history until you make a claim
Continued Personal Medical Exclusions where you switch cover and carry any current personal medical exclusions which apply to the existing policy across to a new policy.
Continued Moratorium If you have moratorium underwriting and want to switch provider keeping the original moratorium start date in place.

For more definitions of terms, please see our glossary.

Frequently Asked Questions

What are The Exeter’s excess options?

The Exeter’s excess options range from £0 to £5,000. The excess is only to be paid once per year, meaning you can have multiple claims but only pay your excess once. The excess options you choose will impact the premium you pay – the higher your excess, the lower the premium you pay will be.

Can I still use the NHS if I have health insurance with The Exeter?

Yes! The NHS is available to all UK citizens with or without insurance. Any treatment for pre-existing and chronic conditions will still be treated by the NHS, as well as any emergencies. If you choose to have inpatient treatment on the NHS, that you would be eligible to claim on your health insurance for, The Exeter will pay you an NHS cash benefit of up to £4,500 per year.

Do The Exeter offer No Claims Discount?

The Exeter operates on a fifteen level no claims discount system with 75% being the maximum discount available. For each year you don’t make a claim on your policy, your discount increases by one level. Should you claim and the monetary value of the claim be below £300, your no claims will not be affected. The Exeter also offer a protected no claim discount for an additional premium, meaning should you claim your discount level will stay the same.

Can I choose where I am treated?

When setting up your policy with The Exeter, you will be able to choose from three hospital lists: Essential, Standard and Extended. This choice will impact the facilities at which you can be treated aswell as the premium you pay.

My child has been admitted for an overnight stay in hospital. Will my plan cover my accommodation?

The Exeter Health+ policies include parental accommodation as standard. There is no limit placed on how long you will be covered to stay with your child whilst they are receiving eligible inpatient treatment.

Do I need health insurance?

We are blessed in the UK to have a National Health Service, so health insurance is not a legal requirement. Health insurance provides the peace of mind however that should you require treatment you can access private health services and avoid NHS waiting times. We believe there is a policy to suit everyone. To read more, see our Guide to Health Insurance.

Are there any exclusions?

Like most leading insurers, The Exeter health insurance is intended to cover acute conditions, rather than chronic conditions, such as diabetes. All exclusions will be listed in your policy documents.

Why Compare Health Insurance with us?

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The Exeter Health Insurance

The History of The Exeter

The Exeter Health Insurance Policy Review

The Exeter Key Benefits

The Exeter Core Cover

The Exeter Optional Extras

What isn't covered?

Perks

Underwriting Options

Excess Options

How to make a claim