Overview


We have three health insurance plans, each designed to meet different needs and different budgets.

With most private medical insurance, you may find it difficult to tell one policy from another but we’re a bit different. There are some core principles, which separate us from our competition, right across our range of plans.

  • Firstly, when you choose The Exeter you won’t ever be penalised for making a claim. None of our plans include a no claims discount which means that you can use your policy without the fear that your premiums will increase.
  • Secondly, we don’t overload our plans with time or financial limits that can make knowing what you are and aren’t covered for confusing. We never want to leave you high and dry half way through a claim.
  • Finally, remember that as a mutual, our purpose is different from most other insurers. Success for us is a paid claim and a happy member. We paid 99% of private medical insurance claims that we received in 2014.

If you have one of our health insurance plans that is no longer offered for new business and would like more information, please contact us using the details below.

Health Cover for Me

Health Cover for Me

Health Cover for Me is comprehensive cover with one simple theme - there are no time or financial limits to the amount that we will pay when you claim (as long as the specialist fees are within our Fee Schedule). You can rest assured that your plan won’t let you down in the middle of treatment, and as a result you can concentrate on what is important - getting better.

Equally, we know just how important cancer cover is, so with Health Cover for Me, your cancer cover is unlimited. Even more reassuring is knowing that this cover includes access to all clinically approved drugs and treatments, even if they are not available on the NHS on the grounds of cost.

As with all our plans, with Health Cover for Me, your premiums are never increased as a result of you making a claim – we think insurance should be designed to be used.

Key Benefits

  • Unlimited in-patient, day-patient and out-patient treatment
    Health Cover for Me offers comprehensive cover that doesn’t limit in-patient, day-patient or out-patient treatment.
  • Unlimited cover for cancer – including access to all clinically approved drugs
    Our unlimited cancer cover includes pioneering treatments such as biological and hormone therapy.
  • No time or financial limits for treatment or consultations
    We know insurance can be confusing so we have taken a simpler approach. We want you to understand and be totally confident that your cover will deliver when you need it.
  • You are never penalised for making a claim
    We don’t offer no claims discounts, so you can be sure that you will never be worse off by using your policy.
  • Manipulative treatment
    Health Cover for Me includes costs of physiotherapy, osteopathy, podiatry and chiropractic treatment as an out-patient.

For more information, please see our Guide to PMI or policy literature below.


Health Choices for Me

Health Choices for Me

Health Choices for Me is simple modular cover, which means you can build the plan that is right for you. Whilst other modular plans available are complex in structure giving you numerous decisions and options, with Health Choices for Me we’ve made the process easy.

However, just because Health Choices for Me is simple, it doesn’t mean you have to compromise on quality of cover.

As with all our plans, with Health Choices for Me your premiums are never increased as a result of you making a claim – we think insurance should be designed to be used.

Key Benefits

  • Simple, modular structure
    You only have to make three choices – whether you want to include cancer cover and what cover you would like for out-patient and manipulative treatment.
  • Cancer cover option
    Some people are happy to rely on the NHS for cancer cover, so Health Choices for Me gives you the option to reduce your premiums by excluding cancer from cover.
  • Premiums don’t increase when you make a claim
    We don’t use no claims discounts, so you can be sure that you will never be worse off by using your policy.
  • An extensive, UK-wide hospital list
    Over 300 hospitals nationwide, giving you a wide choice of where you want to go – both for convenience and to seek out the right hospital for the right treatment.

For more information, please see our Guide to PMI or policy literature below.


Health Essentials for Me

Health Essentials for Me

Health Essentials for Me is a fresh approach to private medical insurance, a plan which is focused on the cost of cover for treatment.

The concept is simple - if you’re happy to cover the smaller bills for consultations and to reach a diagnosis, but want reassurance that the insurance will cover big, ‘hard to budget for’ medical bills, Health Essentials for Me might be the plan you need.

As with all our plans, with Health Essentials for Me your premiums are never increased as a result of you making a claim – we think insurance should be designed to be used.

Key Benefits

  • Covers the big medical bills, without the big premiums to match
    By focusing cover on treatment, not diagnosis, we can give you protection against the big hard to budget for medical bills at affordable prices.
  • Unlimited in-patient and day-patient cover for diagnosed conditions
    Once any condition is diagnosed, Health Essentials for Me offers unlimited in-patient and day-patient treatment. This also includes any scans or tests whilst you are an in-patient or day-patient.
  • Cancer cover option
    Some people are happy to rely on the NHS for cancer cover, so Health Essentials gives you the option to further reduce premiums by excluding cancer from cover.
  • You are never penalised for making a claim
    We think insurance should be designed to be used, so we never increase your premiums because you make a claim.

For more information, please see our Guide to PMI or policy literature below.


Underwriting


Whether you’re new to private medical insurance or thinking of switching from another insurer, we have an underwriting option that’s right for you.

Underwriting

Each of our underwriting options has benefits that may suit you, but this will depend on your needs and circumstances.

Also, with The Exeter you can be sure that you pay the right premium for the underwriting option you choose. So, as full medical underwriting asks more questions for you to complete and allows us to fully assess your personal and medical history before offering you cover, this is always the cheapest option for you.

We are the only insurer to offer you the unique fixed moratorium underwriting option – making sure that with The Exeter, you can choose a policy that’s right for you.


Full medical underwriting

If you choose this option, you will need to complete a full medical declaration, including details of the medical history of all family applicants. All applicants must be 79 years or younger.

Any pre-existing conditions will be excluded unless we agree to accept them.

Standard moratorium

Our Standard Moratorium is common to most medical insurers. If you choose this, you will not have to provide full medical details with your application, but if you make a claim we may request information from your GP to determine whether the condition was pre-existing or not. All applicants must be 79 years or younger.

Benefits will not be available for treatment of any condition suffered by an applicant if:

  • They had symptoms, medication, treatment or advice in connection with that condition in the five years before the start of their policy
  • There has not been a clear two year period after the start of your policy during which you have been free of symptoms, medication, treatment and advice in connection with that condition.

Fixed moratorium

Unlike most insurers, we offer a fixed length moratorium. Under this option, benefits will not be available for treatment of any condition suffered if you had symptoms, medication, treatment or advice in connection with that condition in the five years before the start of your policy.

However, we will cover a pre-existing condition two years after the start of your policy, even if it has recurred during that two year period. If you apply using Fixed Moratorium, your premiums will be higher. All applicants must be 65 years or younger.

If you're thinking of switching from another insurer please go to the Thinking of Switching? section.

Thinking of Switching?


If you’re thinking of switching your cover from another insurer, we have two underwriting options designed just for you:

Thinking of Switching

Continued moratorium

This option is designed to let you continue the moratorium period that applies to your existing private medical insurance policy with another provider. You will need to provide a certificate from your previous insurer with your application.

You will also need to answer a few questions about recent or planned medical conditions or treatment. All applicants must be 70 years or younger.

In line with most other insurers, our continued moratorium works on a two year rolling basis, similar to our standard moratorium option explained in the Underwriting section. The only difference is that the moratorium period will be from the start date of your current policy, not your new policy with The Exeter.

If you have had your current policy for more than two years and have not had a recurrence during that time, we will cover that condition immediately subject to the terms of your policy.

Continued personal medical exclusions

This option is designed to allow you the opportunity to carry across the personal medical exclusions from your existing policy. You will need to provide a certificate from your previous insurer with your application.

You will also need to answer a few questions about recent or planned medical conditions or treatment. All applicants must be 70 years or younger.

Remember, even if you already have private medical insurance with another provider, you always have the option of applying with Full Medical Underwriting, which will reduce the premiums you pay.

Membership Benefits


When you buy a policy with The Exeter, we give you access to a number of important membership benefits to make your lives easier and give you better access to primary care – including:

  • A GP Helpline
  • A virtual GP Service
  • A private prescription service.
Membership Benefits