The Exeter Health Insurance


The Exeter is a British friendly society offering a range of insurance products including private medical insurance as well as income protection insurance, life insurance and cash plans. They do not have any shareholders and are able to reinvest their profits in the things that are most important to their members. They are one of the largest friendly societies in the UK with over 90,000 members and more than 200 employees. Their headquarters is in the city of Exeter.

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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 Key Benefits

Digital GP access to unlimited online GP consultations through the HealthWise app.

HealthWise app allows members to access second medical opinions, physiotherapy, mental health therapy, lifestyle and nutrition consultations.

Breakthrough Cancer Treatments available to members.

5-star rating

With independent rating firm Defaqto


Rating on Trustpilot


Best Care & Support Experience 2023

Protection Review Awards


Best Customer Service Provider 2023

The Right Mortgage Awards

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.


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.


What isn't covered?

Like most leading insurers, The Exeter health insurance is intended to cover acute conditions as opposed to chronic conditions, such as diabetes. All exclusions will be listed in your policy documents. As standard, The Exeter does not cover:

  • Treatment for Alcoholism or Substance addiction
  • Chronic long-term conditions
  • Pregnancy and Fertility
  • Kidney Dialysis
  • Cosmetic Surgery
  • Major Organ Transplants
  • Pre-existing conditions


In addition to your core cover The Exeter provides further perks.

Digital GP  

With the HealthWise app.



With the HealthWise app.

Mental Health Therapy

With the HealthWise app.

Lifestyle and nutrition consultations

With the HealthWise app.


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. 

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.

Nil, £100, £250, £500, £1,000, £3,000 and £5,000. 

Hospital Lists

As a Health+ member you can choose from three different lists:

Essential which includes hospitals from the largest hospital groups and NHS private patient units

Standard which extends the coverage of the Essential list to include independent hospitals and clinics

Extended which offers the widest choice and provides access to a greater number of London hospitals


View Hospital List

How to make a claim


Step 1

Visit Your GP

Step 2

Contact The Exeter


Step 3

The Exeter will confirm if

treatment is covered


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.


The Exeter Health Insurance Policy Documents

For all The Exeter Health Insurance policy Terms and Conditions see the policy documents linked below.


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