What products does The Exeter offer?<\/h2>\n<\/p>\n
Alongside\u00a0private medical insurance<\/a>, The Exeter offers\u00a0both\u00a0life\u00a0insurance\u00a0and income protection insurance, so\u00a0they are relatively specialised\u00a0in comparison\u00a0to some\u00a0other insurers.<\/p>\n Want to know more? Jump into some of our most popular articles, guides and research:<\/p>\n<\/div>\n<\/div>\n Now that\u00a0we’ve\u00a0covered the basic background\u00a0let’s\u00a0get into the\u00a0nitty gritty\u00a0of\u00a0Exeter’s\u00a0flagship private medical insurance policy, Health+.<\/p>\n Health+ is a health insurance policy\u00a0that has been\u00a0designed to give people access to private diagnostic and treatment services in the UK.<\/p>\n The\u00a0Exeter’s\u00a0core health insurance offers excellent core cover, several optional add-ons\u00a0and the option between\u00a0guided consultants or a traditional hospital.<\/p>\n What\u00a0really\u00a0stands The Exeter out is\u00a0their\u00a0fairness.\u00a0Firstly, they have one of the best\u00a0no claims\u00a0discount schemes, where they would have to pay out more than their\u00a0competitors\u00a0for it to impact your\u00a0no claims\u00a0discount level significantly.\u00a0Additionally, we\u00a0hear from brokers that their medical underwriting is\u00a0also excellent and very\u00a0fair.\u00a0Unlike other insurers, who will often be\u00a0fairly\u00a0general in their exclusions based on your medical history, The Exeter is far more targeted and precise, usually excluding only closely related conditions.\u00a0<\/p>\n The only significant weaknesses of The Exeter health insurance are:<\/p>\n Our experienced health insurance brokers compare different providers and their cover options for you<\/p>\n on<\/p>\n As\u00a0we’ve\u00a0said,\u00a0The\u00a0Exeter’s\u00a0health insurance core cover is\u00a0very strong, and for many, it may be sufficient without adding any add-ons; here are the highlights:<\/p>\n Exeter\u00a0doesn’t\u00a0limit in-patient or day-patient\u00a0treatment,\u00a0as long as\u00a0it’s\u00a0needed for an eligible condition at an eligible hospital.<\/p>\n Cover for all stages of cancer once diagnosed, including palliative and terminal treatment, with no time or financial limits.<\/p>\n The Exeter includes CT, MRI and PET scans and professional fees where appropriate in their core cover.\u00a0<\/p>\n Surgical procedures by specialists as an out-patient at eligible hospitals are covered.<\/p>\n When essential, private ambulances\u00a0travel to, between and from the hospital for\u00a0in-patients and day patients receiving treatment.<\/p>\n Home nursing for those who need nursing following in-patient or day-patient treatment.<\/p>\n Unlimited parental accommodation while your child is in hospital, up to\u00a0the age of\u00a018.<\/p>\n Up to three post-operative out-patient physiotherapy sessions following surgery.<\/p>\n Receive \u00a3150 per night for up to 30 nights if you have free in-patient treatment via the NHS.<\/p>\n The\u00a0Exeter’s\u00a0HealthWise app<\/a> gives you and your direct family access to medical experts when you need them. The Exeter has partnered with Square Health to provide the following services:<\/p>\n *Please note That\u00a0The\u00a0Exeter’s\u00a0policy documentation states that all services relating to the HealthWise app, including remote GP appointments,\u00a0aren’t\u00a0a contractual benefit and could be withdrawn at any time.<\/p>\n Each year,\u00a0you’ll\u00a0receive a kit to perform a pinprick blood test, which checks 20\u00a0different\u00a0markers to catch issues as soon as possible.<\/p>\n While the core private medical insurance\u00a0cover\u00a0is excellent, you can enhance your policies by adding more benefits, such as out-patient diagnostic tests, mental\u00a0health\u00a0an\u00a0alternative therapies\u00a0cover.\u00a0<\/p>\n Here’s\u00a0a summary of your options:<\/p>\n The\u00a0Exeter’s\u00a0core\u00a0cover\u00a0includes complex diagnostic scans (CT, MRI, and PET) but not simpler\u00a0diagnostic\u00a0tests such as blood, ECGs, and X-rays,\u00a0or consultations with specialists as an\u00a0out-patient.\u00a0<\/p>\n What this means is if\u00a0you\u00a0don’t\u00a0take out the additional out-patient cover, most of your diagnosis will need to take place via the NHS, or\u00a0you’ll\u00a0need to self-pay to go private.<\/p>\n This arrangement is\u00a0fairly\u00a0typical of health insurance policies in the UK, and\u00a0there’s\u00a0usually a distinction between\u00a0“treatment only”\u00a0policies and those that include a level of diagnostic cover.<\/p>\n The\u00a0Exeter’s\u00a0out-patient cover is designed for consultations with specialists and tests like\u00a0X-Rays, pathology (blood) or ECGs. You can choose between unlimited out-patient cover,\u00a0or restrict yourself to either \u00a3500 or \u00a31000 per year\u00a0which\u00a0to keep premiums down.\u00a0<\/p>\n Given that typical\u00a0consultations\u00a0fees with medical specialists range from \u00a3250-\u00a3300,\u00a0and the tests we mention cost a little more, a limit of \u00a3500 or \u00a31000,\u00a0would be consumed fairly quickly,\u00a0should you need something investigated.\u00a0<\/p>\n Mindful of that,\u00a0The Exeter gives you\u00a0the option to add unlimited out-patient diagnostics (tests and scans), in addition to\u00a0having\u00a0a limit of \u00a3500 or \u00a31000 on specialist consultations.\u00a0<\/p>\n If you\u00a0don\u2019t\u00a0opt for unlimited out-patient diagnostics, then x-rays, blood\u00a0test\u00a0and\u00a0ECGs will be deducted from your core out-patient cover.<\/p>\n While Exeter includes some mental health support as part of its partnership with SquareHealth,\u00a0which is\u00a0accessible via the HealthWise app, you can only have up to six counselling sessions via video call per year.<\/p>\n So, if\u00a0protecting your or your\u00a0family’s\u00a0mental health is\u00a0important, we suggest opting for The\u00a0Exeter’s\u00a0Mental health cover add-on so you know that help is there should you ever need it.<\/p>\n The good news is that The\u00a0Exeter’s\u00a0Mental health cover add-on is excellent. It includes up to 28 days of specialist treatment as an in-patient or out-patient and unlimited out-patient consultations and treatment with psychologists, psychiatrists, or cognitive behavioural therapists.<\/p>\n Exeter\u2019s\u00a0additional therapies\u00a0cover gives\u00a0you access to physiotherapy, chiropractors, osteopaths, acupuncturists, podiatrists, and speech therapists following a GP or specialist referral. In addition, you can have up to two consultations with a pain clinic or two consultations with a dietician.<\/p>\n Similarly to other insurers, The Exeter has several exclusions you should be aware of, namely:<\/p>\n Request a free comparison quote, and we\u2019ll connect you with the an experienced broker best suited to help.<\/p>\n Compare Quotes <\/a><\/div>\n Hopefully, you now have a better idea of what to expect from The\u00a0Exeter’s\u00a0Health+ concerning\u00a0what’s\u00a0covered (if you need more detail,\u00a0please visit their website and look for their policy docs<\/a>), but without\u00a0comparing them to other health insurance providers in the market,\u00a0it’s\u00a0hard to see how good or bad they may be.\u00a0<\/p>\n In this section of our review of\u00a0The\u00a0Exeter’s\u00a0health insurance, we dig into the pros and\u00a0the cons\u00a0of their policies compared to others in the market.<\/p>\n The Exeter currently has a rating of 4.1 out of 5 stars on the reviews platform Trustpilot<\/a> from 810 reviews (2nd May 2024), covering its life, income protection and private health insurance products.\u00a0While not the best scoring provider in the market, given the relatively low number of reviews\u00a0they’ve\u00a0received vs. the size of their membership,\u00a0we’d\u00a0hazard a guess that\u00a0they\u00a0aren’t\u00a0asking members for reviews as frequently as some of their competitors.<\/p>\n We asked Gareth Tunstill an independent health insurance broker with over 18 years experience what he thinks about The Exeter health\u00a0insurance:<\/p>\n “The Exeter is an outstanding choice for people looking for private medical insurance. I’m continually impressed with how fair their underwriting is, often covering more than others in the market while often being one of the most competitively priced options.”<\/p>\n<\/div>\n<\/div>\n<\/div>\n The Exeter\u00a0Health+ was awarded the coveted five-star rating from the independent\u00a0ratings\u00a0body in\u00a02024,\u00a0and won a host of other awards in 2023, the\u00a0most relevant awards include:<\/p>\n As\u00a0we’ve\u00a0already mentioned, a significant benefit of The Exeter is how fair they are\u00a0in relation to\u00a0how your medical history affects future cover and their approach to no claims discount.\u00a0In this section, we drill into those in\u00a0a little\u00a0more depth so you can understand the significance of both of these benefits.<\/p>\n The Exeter say\u00a0in their policy documentation that they\u00a0“consider every application on its merits\u00a0–\u00a0so\u00a0we’ll\u00a0often say\u00a0yes,\u00a0when others say no.”<\/strong>\u00a0Far from being a pure marketing statement,\u00a0what\u00a0we hear from\u00a0numerous health insurance brokers\u00a0is\u00a0this is very true.<\/p>\n Recently, one such broker shared with us that the difference is the precision of the underwriting,\u00a0where\u00a0with other insurers if a client has had a heart issue of some description, there may be a carte blanche exclusions on anything to do with the heart, The Exeter will review it closely, and often only exclude conditions that are closely tied to the original, not everything to do with the heart.<\/p>\n Of course, underwriting can vary, and this\u00a0isn’t\u00a0to say they will always cover more than others, but from what we hear from the market, The Exeter\u00a0are\u00a0living up to the statement of saying yes more than others.<\/p>\n A often\u00a0under-talked about\u00a0aspect\u00a0of health insurance is how claims affect future premiums. When you get a new policy, assuming\u00a0you’ve\u00a0got a no claims discount (NCD),\u00a0you’ll\u00a0usually start with a discount of about 70% off of your base rate, so pretty close to the top of the NCD scale. What this means,\u00a0is\u00a0there’s\u00a0usually far\u00a0further to fall, then\u00a0there is to rise, and if you claim, perhaps over several years, your NCD can quickly diminish.<\/p>\n All the insurers have a different\u00a0no claims\u00a0discount structure and rules to go alongside it, but The\u00a0Exeter,\u00a0is one of the best in that\u00a0you’d\u00a0have to claim over \u00a32,000 to move down three levels on their scale, whereas with others, the same can happy for claims as small as \u00a31.<\/p>\n In May 2024, The Exeter published their claims payout stats for 2023, including how much they paid out in health insurance claims<\/a>. <\/p>\n Impressively, they paid out 92% of health claims in 2023, totalling a whopping \u00a328.4m, helping 8,152 members access private medical care.<\/p>\n Earlier in the year, we performed\u00a0extensive private health insurance pricing research<\/a>, getting 800 quotes from UK health insurance providers for a typical policy to find the average cost of policies in 2025.<\/p>\n Specifically, we looked at a comprehensive policy with out-patient cover, limited to a maximum of \u00a31,000 per policy\u00a0year,\u00a0and an excess of \u00a3250 (or as close as possible).\u00a0We included alternate therapies\u00a0cover,\u00a0but excluded mental health\u00a0cover, travel and\u00a0dental and optical\u00a0cover.\u00a0The quotes were for fictional people based in 10 major towns and cities around the UK.<\/p>\n The\u00a0Exeter’s\u00a0health insurance pricing was below average for all age\u00a0groups<\/strong><\/p>\n While not always the cheapest,\u00a0The\u00a0Exeter’s\u00a0pricing was\u00a0strong,\u00a0and consistently below the average cost of all the providers we sampled. Of course, your age, location and policy options will affect your premium, so this\u00a0isn’t\u00a0to say they will\u00a0“always”\u00a0be below average, but we would expect them to stack up well if you compare their prices to others.<\/p>\n *Average based on quotes from eight leading health insurers in 10 UK cities in January 2024. We opted for a comprehensive policy, with a \u00a3250 excess (or as close as possible), outpatient cover limited \u00a31,000 per policy year where possible, and we included alternate therapies cover. We opted for a guided consultant list where available, excluding mental health, dental, optical and travel cover. <\/sup>Click here to see our full methodology<\/sup><\/a>.<\/sup><\/p>\nOur most popular health insurance topics<\/h3>\n
The Exeter Health+ expert review<\/h2>\n<\/p>\n
About The Exeter Health+<\/h3>\n
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<\/div>\n<\/figure>\nIs The Exeter health insurance any good?<\/h3>\n<\/p>\n
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Get health insurance cover that works for you!<\/h2>\n<\/p>\n
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<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\nWhat’s\u00a0included in The Exeter’s core health insurance cover?<\/h3>\n
Unlimited in-patient and day-patient treatment<\/h4>\n
Complete cancer cover (post-diagnosis)<\/h4>\n
Complex diagnostic scans<\/h4>\n
Out-patient surgery<\/h4>\n
Private ambulance<\/h4>\n
Home\u00a0nursing<\/h4>\n
Parental accommodation<\/h4>\n
Post-operative physiotherapy<\/h4>\n
NHS cash benefit<\/h4>\n
Remote GP appointments and other medical advice*<\/h4>\n
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Yearly pinprick blood test<\/h4>\n
What are the additional add-ons you can choose from?<\/h3>\n
Out-patient cover<\/h4>\n
Core out-patient cover<\/h4>\n
Unlimited out-patient diagnostics<\/h4>\n
Mental health cover<\/h4>\n
Alternate therapies cover<\/h4>\n
What’s excluded?<\/h2>\n
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Looking for affordable health insurance?<\/h2>\n
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<\/div>\n<\/div>\n<\/div>\n<\/div>\nPros and cons of The Exeter health insurance<\/h2>\n<\/p>\n
Pros of The Exeter health insurance<\/h3>\n
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Cons of The Exeter health insurance<\/h3>\n
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Customer reviews and awards<\/h2>\n<\/p>\n
Ask the expert:<\/h2>\n
![\"Gareth](\"https:\/\/cdn.prod.website-files.com\/60a0cd9e83c3b8a9bf15f80e\/6634b55db592a0174a428608_Gareth%20Tunstill%20-%20Expert%20Health%20Insurance%20Broker.png\")
<\/div>\nGareth Tunstill, Health Insurance Broker, says:<\/h3>\n
Industry awards and\u00a0recognition<\/h2>\n<\/p>\n
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A focus on fairness<\/h2>\n<\/p>\n
A fair approach to underwriting<\/h3>\n
Less penalisation for claims<\/h3>\n
![\"Screenshot](\"https:\/\/cdn.prod.website-files.com\/60a0cd9e83c3b8837315f825\/66bf45869e3e132a6c72a707_6633a5d99274c4e728bdfac9_Screenshot%2520of%2520The%2520Exeter%2520Health%2520Insurance%2520No%2520Claims%2520Discount%2520Scale.png\")
<\/div>Excellent claims payout rates<\/h3>\n
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<\/div>How much does The Exeter health insurance cost?<\/h2>\n<\/p>\n
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\n \nAge<\/th>\n Health+ Average Monthly Premium<\/th>\n Overall Average Monthly Premium<\/th>\n<\/tr>\n<\/thead>\n \n 20-years-old<\/td>\n \u00a334.65<\/td>\n \u00a338.36<\/td>\n<\/tr>\n \n 30-years-old<\/td>\n \u00a350.28<\/td>\n \u00a351.57<\/td>\n<\/tr>\n \n 40-years-old<\/td>\n \u00a360.82<\/td>\n \u00a364.25<\/td>\n<\/tr>\n \n 50-years-old<\/td>\n \u00a376.64<\/td>\n \u00a383.50<\/td>\n<\/tr>\n \n 60-years-old<\/td>\n \u00a3114.99<\/td>\n \u00a3121.60<\/td>\n<\/tr>\n \n 70-years-old<\/td>\n \u00a3178.79<\/td>\n \u00a3193.90<\/td>\n<\/tr>\n \n \n\t\t\t\t<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n
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