The Exeter Health Insurance Review 2025
The Exeter Health Insurance Review 2025
60-Second Summary
- Top-Rated Cover: The Exeter’s Health+ private medical insurance is rated among the best UK health policies in 2025, offering comprehensive core cover (unlimited in-patient care and full cancer treatment) with flexible options and 5-Star Defaqto quality. Customer feedback is excellent (around 4.2–4.4/5 on Trustpilot), reflecting high satisfaction and service.
- What’s New in 2025: The Exeter (a member-owned mutual insurer) continues to enhance its digital health services. Its HealthWise app now sees record usage, providing free virtual GP consultations, physio, mental health therapy, dietitian sessions and second medical opinions – all included at no extra cost. This represents a 131% surge in app use as members embrace telehealth benefits. Premiums have risen modestly (medical inflation ~10–12% in 2024) but remain competitive.
- Coverage & Pricing: Policies start from under £32 per month for young adults. For example, a healthy 30-year-old might pay ~£35/month for a basic “guided” plan, or ~£50/month for comprehensive cover with extras. A 60-year-old would pay more, around £122/month for similar full cover. Rates increase with age (a 70-year-old can be ~132% costlier than a 50-year-old), and London area premiums average ~23% higher than elsewhere. The Exeter offers 5% couple discount and 8% family discount on premiums.
- Comparison: Against major providers (Bupa, AXA Health, Vitality, Aviva, WPA), The Exeter holds its own. It isn’t always the absolute cheapest, but it excels in clarity, fair underwriting, and personal service. Unlike some competitors, it has market-leading no-claims discount terms (small claims under £300 don’t reduce your discount) and offers a choice of guided specialist referral or open access hospital lists upfront.
- Market Context: Private health insurance demand is surging in the UK. 6.2 million people have PMI as of 2023 (up 7% year-on-year), driven by NHS waiting lists at ~7.4 million patients and employers expanding health benefits. The Exeter’s strong 2025 offering comes amid this boom, with insurers paying record claims (£3.57 billion in 2023, +21%).
- Who Should Consider: We cover key considerations for individual consumers (e.g. avoiding NHS delays, covering family, budget vs coverage needs) and businesses/employers (employee well-being, tax implications, etc.). The Exeter caters to both, with options for sole policyholders, families, and SMEs.
- Quick Verdict: The Exeter Health+ is a comprehensive, user-friendly policy with robust coverage and member benefits. Pros include flexible outpatient cover options, outstanding digital health support, and high customer ratings, whereas cons are few (no dental/optical add-ons, and new joiners must be <80). Overall, it’s a top-tier choice in 2025’s private health insurance market for those seeking quality cover with a personal touch.
In the detailed review below, we delve into The Exeter’s policy features, pricing, how it compares to competitors, the latest industry trends, plus practical info on getting and using a policy.
Introduction
Private health insurance has taken on new importance in 2025 as more Britons look for timely medical care amid strains on the NHS. NHS waiting lists remain historically high – over 7.4 million patients were awaiting treatment in early 2024 – leading to delays for surgeries and specialist appointments. In response, individuals and businesses are increasingly turning to private medical insurance (PMI) for faster access to treatment. Industry data shows a resurgence in demand: a record 6.2 million people in the UK had PMI coverage in 2023 (an increase of 411,000 people from 2022). Notably, a record 4.7 million of those were covered via employer-sponsored schemes, as firms add health benefits to support staff and reduce sickness absence.
Against this backdrop, The Exeter – a specialist UK health insurer – has emerged as one of the top-rated providers for 2025. The Exeter is a mutual friendly society insurer (owned by its members rather than shareholders) with roots dating back to 1927. Being member-owned allows it to reinvest profits into better benefits and service for policyholders. The company offers health insurance under its Health+ product line, alongside life and income protection cover. In recent years, The Exeter has garnered industry accolades (e.g. awards for Best Private Medical Insurance, Customer Service “Above and Beyond”, and Best Health & Wellness Offering). It also holds a Defaqto 5-Star rating for its Health+ plan, indicating an excellent breadth of features.
Customer satisfaction is strong: The Exeter’s insurance has a Trustpilot rating around 4.2–4.4 out of 5 (“Excellent”) as of early 2025. Many reviews praise its helpful staff, efficient claims handling, and good value for the cover provided. In this comprehensive review, we’ll examine The Exeter’s health insurance in detail – what it covers, how it has improved for 2025, how it stacks up against big names like Bupa, AXA, Vitality, Aviva, WPA – and provide the latest market context, pricing examples, pros and cons, and guidance for potential buyers (whether individuals or businesses).
The Exeter Health+ Policy Features and Benefits (2025)
The Exeter’s Health+ policy is an in-depth private medical insurance plan designed to cover a wide range of acute health conditions and treatments. It’s frequently cited as one of the most comprehensive yet flexible PMI products available. Below we break down the key features, benefits, and options of Health+ in 2025, including what’s new or improved compared to previous years.
Core Coverage: What’s Included
Every Health+ policy comes with an extensive core cover that protects you for major healthcare needs:
- Unlimited In-Patient and Day-Patient Treatment:
All plans cover unlimited hospital treatment as an in-patient (overnight stays) or day-patient. If you need surgery or medical care that requires a hospital bed, The Exeter will cover the costs in full, with no cap on duration. This includes hospital charges, surgeons’ and anesthetists’ fees, operating theatre costs, nursing care, and even take-home drugs and surgical appliances. You can remain in a private hospital as long as medically necessary without worrying about coverage limits.
- Comprehensive Cancer Care:
Cancer treatment is a cornerstone of private health cover, and The Exeter provides complete cancer cover at every stage. All investigations, surgeries, chemotherapy, radiotherapy, targeted cancer drugs, and follow-up consultations are covered in full under core benefits. Importantly, cover extends through diagnosis, active treatment, and reconstruction, and includes access to new cancer drugs that the NHS might not fund. Home chemotherapy and radiotherapy are also covered when appropriate.
- Surgery (In-patient, Day-patient, and Out-Patient):
Whether you require a surgical procedure during a hospital stay or as a minor outpatient surgery, it’s covered. Outpatient surgical procedures performed by a consultant at a hospital or clinic are fully covered under core benefits (with no financial limit).
- Hospital Accommodations & Extras:
The policy covers your hospital room and board, specialists’ fees, as well as associated costs like surgical dressings, drugs, and therapies needed during treatment. An extra perk is the Parental Accommodation Benefit – If an insured child (under 18) is hospitalised, the policy pays for a parent to stay with them in the hospital for an unlimited amount of time.
- Post-Operative Physiotherapy:
After a surgery or inpatient procedure, The Exeter covers follow-up physiotherapy sessions to aid your recovery. You can claim up to three physio sessions following an eligible procedure as part of core cover (additional sessions may be available with the Therapies add-on).
- NHS Hospital Cash Benefit:
If you opt for NHS treatment (when private care could have been used under your policy), The Exeter will pay a cash benefit as a goodwill gesture. This is £150 per night (up to 30 nights) for inpatient stays. A similar, albeit lower, benefit may apply for day-patient treatment.
- Private Ambulance:
If a private ambulance is needed for covered inpatient/day-patient treatment (e.g. transferring between facilities), it is included in your cover.
- Home Nursing:
Specialist home nursing following a hospital procedure is covered, subject to limits defined in the policy terms.
- Mental Health Support (Core App Services):
While comprehensive psychiatric treatment is optional, all members receive mental health support via the HealthWise app – for instance, up to 6 video counselling sessions (without affecting your claim history).
Overall, the core benefits of The Exeter Health+ are robust and competitive—often matching or exceeding what most competitors offer. Unlimited inpatient cover and full cancer care are provided as standard, and additional support services (like post-operative physio and digital health features) add extra value.
HealthWise Digital GP App and Virtual Services
A standout feature in 2025 is The Exeter’s HealthWise app, which provides free digital health services to all Health+ policyholders. Key services include:
- Remote GP Consultations (24/7):
Enjoy unlimited access to UK-based GPs via video or phone, available whenever you need medical advice or a prescription. The service is available globally, ensuring help is at hand at any time.
- Second Medical Opinions:
Use the app to secure up to 2 second-opinion consultations per year with a specialist to review diagnoses or treatment plans.
- Mental Health Counselling:
Book video sessions with qualified therapists – up to 6 consultations per year – to support mental well-being.
- Physiotherapy Sessions:
Access up to 6 virtual physiotherapy sessions annually, ideal for managing musculoskeletal issues.
- Dietitian Consultations & Lifestyle Advice:
Benefit from up to 6 sessions with a registered dietitian per year and receive comprehensive lifestyle coaching for improved overall health.
- Prescription Services:
The app can facilitate private prescription issuance and management, including coordination for NHS repeat prescriptions.
HealthWise is widely praised for offering more than the typical claims management app. Its extensive services—covering digital GP consultations, mental health, physiotherapy, and diet—represent a significant value add and have contributed to a reported 131% increase in app usage in 2023.
Guided vs Traditional Specialist Access
When taking out a Health+ policy, you have a choice between two specialist referral methods:
- Traditional Cover:
This model allows you complete freedom to choose your specialist or hospital from a designated list, which is divided into three tiers: Essential, Standard, or Extended. While offering maximum choice, Traditional cover tends to be more expensive due to less controlled fee arrangements.
- Guided Cover:
With this managed care approach, your GP issues an open referral and The Exeter then provides a shortlist of approved specialists. This method helps control costs by using negotiated fees, resulting in a lower premium. However, it does limit your choice to the selected network.
For example, sample quotes show that a 30-year-old opting for a Guided, no-outpatient plan might pay ~£35/month, while adding outpatient cover increases the premium to ~£50/month. Guided cover is thus a cost-effective option if you are comfortable with a pre-approved network.
Outpatient and Additional Cover Options
Beyond the comprehensive core cover, The Exeter allows you to tailor your policy with several optional add-ons:
- Outpatient Cover:
Choose from a range of limits (e.g. £500, £1,000, or Unlimited per year) to cover specialist consultations, diagnostic tests, and minor treatments. An Unlimited Outpatient Diagnostics upgrade ensures that all high-cost tests (e.g. MRI, CT scans) are fully covered regardless of your chosen limit.
- Mental Health Cover:
An optional benefit that extends cover to include up to 28 days per year of in-patient psychiatric treatment, along with outpatient mental health appointments.
- Therapies Cover:
This add-on covers allied health therapies (such as physiotherapy, osteopathy, chiropractic, acupuncture, podiatry, and speech therapy) when referred by a specialist. It also provides additional dietitian consultations beyond those available via HealthWise.
- No Claims Discount (NCD) Protection:
An optional feature that protects your no-claims discount level in the event of a claim. The Exeter’s NCD system operates on 15 levels, with claims under £300 having no impact and larger claims resulting in only minimal reductions.
- Excess Options:
Select from a range of excess choices (£0, £100, £250, £500, or £1,000) to lower your premium. A higher excess reduces your monthly cost but means you pay more in the event of a claim.
Note: The Exeter does not include dental or optical add-ons, so if these benefits are important, you may need a separate health cash plan.
Pricing in 2025: Premiums and Changes from Prior Years
Premiums for The Exeter Health+ vary based on factors such as age, location, coverage choices, and lifestyle. Here are some key points:
- General Factors:
- Age: Older individuals pay more. A 50-year-old typically pays about 66% more than a 30-year-old, while a 70-year-old could be up to 132% more than a 50-year-old.
- Location: Premiums in London average about 23% higher than in other regions.
- Lifestyle: Smoking status and other lifestyle factors (like BMI) can also affect premium costs.
- Recent Trends:
Medical inflation and increased demand have driven premiums up by roughly 10–12% in 2024. The Exeter has adjusted rates accordingly while maintaining competitive pricing through features like the NCD discount.
- Example Premiums:
| Profile (The Exeter Health+ policy) | Approx. Monthly Premium | ||
|---|---|---|---|
| 30-year-old, guided cover, no outpatient (basic) | ~£35 | ||
| 30-year-old, guided cover, with outpatient (£500) + mental health | ~£50 | ||
| 50-year-old, guided cover, with outpatient (£1,500) (comprehensive) | ~£82 | ||
| 60-year-old, guided cover, with outpatient (£1,500) (comprehensive) | ~£122 |
Note: These figures include the 12% Insurance Premium Tax (IPT).
- Family and Group Pricing:
- A couple (e.g. both aged 40) may receive a 5% discount, while family policies receive an 8% discount.
- For businesses, group rates can reduce individual premiums further. For example, a company covering five employees aged 35 might see rates around £40 each.
The Exeter vs Other Major Health Insurance Providers
Below is a comparison between The Exeter and major competitors: Bupa, AXA Health, Vitality, Aviva, and WPA.
The Exeter vs Bupa
- Pricing:
Bupa often offers slightly lower premiums for younger individuals (e.g. a 30-year-old may pay around £40/month vs. ~£51/month with The Exeter). However, Bupa’s renewals after claims may increase, while The Exeter’s NCD structure provides more predictability.
- Coverage & Benefits:
Both offer unlimited inpatient and full cancer cover. Bupa includes full mental health cover and therapies as standard on most plans, whereas The Exeter requires an add-on for mental health and therapies. Bupa also offers access to Bupa Dental Care clinics, which The Exeter does not.
- Customer Service:
Both providers score highly on Trustpilot (Bupa ~4.4/5, The Exeter ~4.2/5), though The Exeter’s mutual status might offer a more personal touch.
- Claims & Network:
Bupa’s network is extensive (owning facilities like Cromwell Hospital), while The Exeter emphasises transparency and offers both guided and traditional cover.
The Exeter vs AXA Health
- Coverage:
AXA Health’s Personal Health plan is comparable in scope. AXA offers an Extended Cover option that includes up to £500 for private GP fees, a benefit The Exeter does not provide.
- Pricing:
Premiums are similar, with minor variations by age group. At age 40, AXA might charge ~£63 versus The Exeter’s ~£61, with AXA being marginally cheaper for younger demographics and The Exeter slightly more cost-effective for older clients.
- Flexibility:
AXA’s outpatient limits tend to be more restrictive. The Exeter’s approach—especially with its reduced consultation limits and Unlimited Outpatient Diagnostics add-on—offers greater flexibility.
The Exeter vs Vitality
- Wellness & Rewards:
VitalityHealth is renowned for its extensive rewards programme, incentivising healthy lifestyles, which The Exeter does not offer.
- Coverage:
Both provide comprehensive cover, though Vitality may include limited physio and talking therapies as standard. Vitality’s model may reduce premiums if you engage actively with their programme.
- Pricing:
Vitality’s pricing is competitive, though its model is more complex due to the rewards scheme. Vitality might appeal to younger, more active individuals, while The Exeter offers simplicity and robust digital support.
The Exeter vs Aviva
- Coverage:
Aviva’s Healthier Solutions offers restricted and unlimited outpatient cover, but its combined limits can sometimes restrict overall benefits. Aviva also has unique inclusions (e.g. dental/optical cashback) that The Exeter does not provide.
- Pricing:
Aviva tends to be on the higher end of the pricing spectrum, especially for mid-age groups, and accepts new joiners beyond 80—unlike The Exeter.
- Customer Experience:
Aviva’s vast scale means the service might be less personalised compared to The Exeter’s member-focused approach.
The Exeter vs WPA
- Flexibility:
WPA is extremely flexible, allowing fine-tuning of 14 different benefit limits. The Exeter offers a simpler, yet highly effective, range of options.
- Pricing:
WPA often provides lower premiums for younger individuals; however, its entry age restrictions mean The Exeter, which accepts new joiners up to 80, offers broader coverage for older clients.
- Customer Service:
Both are highly rated in customer service, though WPA’s reviews sometimes edge out The Exeter’s slightly higher Trustpilot ratings.
Summary of Comparison
- Coverage: The Exeter provides comprehensive core cover and customisable add-ons that often match or exceed competitor offerings.
- Digital Features: The HealthWise app distinguishes The Exeter by offering integrated virtual GP, physio, and other services.
- Pricing: Generally mid-range; competitive for older clients and families.
- Customer Satisfaction: Both The Exeter and its competitors score highly, though choice may ultimately depend on personal preference regarding network flexibility and digital features.
UK Health Insurance Market Trends 2025
The broader market context in 2025 reveals:
- Growing Uptake: PMI coverage is at a record high with 6.2 million people insured, driven primarily by employer schemes and NHS delays.
- NHS Pressures: Long waiting lists (over 7.4 million) push consumers to seek private cover for timely treatment.
- Claims and Inflation: A 21% rise in claims and increased medical inflation (around 10.4–12.6%) are forcing premium adjustments.
- Innovation: Digital health tools and flexible policy designs are becoming standard as insurers respond to shifting consumer expectations.
- Consumer Attitudes: Younger demographics and businesses alike are increasingly valuing PMI, with a focus on mental health and rapid access to treatment.
- Employer Growth: More employers now offer PMI to reduce sickness absence and attract talent, with group policies enjoying favourable pricing.
Regulatory and Policy Updates Affecting Health Insurance
Several regulatory changes and policy updates are shaping the market:
- Insurance Premium Tax (IPT):
Currently at 12%, IPT adds significantly to policy costs. Industry lobbying for reduction or removal continues, though no change has been implemented yet.
- FCA Consumer Duty:
New rules require insurers to provide fair value and clear communication. This has led to product improvements such as enhanced digital services and streamlined claims processes.
- Employer Scheme Regulations:
From April 2026, employer-provided benefits (including PMI) will be processed through payroll rather than annual P11D forms, simplifying tax handling.
- Telemedicine and Data Regulations:
As virtual care becomes mainstream, insurers must comply with evolving telehealth standards and data protection laws (GDPR), ensuring fair and secure use of digital services.
- NHS and Private Sector Interface:
With the NHS outsourcing some treatments to private providers, boundaries between NHS and PMI services are blurring, further emphasising the value of private cover in reducing waiting times.
Choosing a Health Insurance Policy: Individuals vs Businesses
For Individual Consumers
When choosing a policy for yourself or your family:
- Assess Your Needs and Budget:
- Decide if you need comprehensive cover (including outpatient, mental health, therapies) or basic inpatient care.
- Consider options such as guided cover and higher excess to reduce premiums.
- Underwriting and Pre-existing Conditions:
- The Exeter’s moratorium underwriting (2-year look-back) is straightforward; full underwriting is also an option if you prefer detailed clarity.
- Compare Benefits and Exclusions:
- Read the policy documents carefully to understand what is covered and what is not (e.g. routine maternity, cosmetic procedures).
- Family Considerations:
- Use family discounts (8%) and add children at modest extra cost.
- Understand the Claims Process:
- Ensure you know how to use the HealthWise app and the required steps for obtaining referrals and pre-authorisation.
- No Claims Discount (NCD) Options:
- Decide whether the NCD structure suits you, particularly if you are unlikely to claim.
- Seek Professional Advice:
- Consider using a health insurance broker to compare options.
For Businesses and Employers
For company-provided PMI:
- Benefits of PMI:
- PMI can boost employee morale, reduce sick days, and enhance recruitment and retention.
- Group vs Individual Policies:
- Group policies often offer more favourable underwriting (e.g. medical history disregarded) and lower rates per head.
- Tax Implications:
- Premiums are tax-deductible for the business; however, they form a benefit in kind for employees subject to income tax and National Insurance.
- Plan Flexibility:
- Choose whether to cover just employees or extend cover to their families, and adjust policy features (excess, outpatient limits) to control costs.
- Administration:
- Note the upcoming changes in benefits reporting (switch from P11D to payroll processing in April 2026).
- Leverage Digital Tools:
- Highlight The Exeter’s HealthWise app as a valuable resource for employees, enhancing overall well-being.
Pros and Cons of The Exeter Health Insurance
| Pros | Cons | ||
|---|---|---|---|
| • Comprehensive Core Cover: Unlimited in-patient and day-patient treatment, including full cancer care at every stage. • Flexible Outpatient Options: Customisable outpatient cover levels and an Unlimited Diagnostics upgrade. • No Small Claim Penalties: Claims under £300 do not affect your no-claims discount. • HealthWise App & Extra Benefits: Free digital services including virtual GP, physio, mental health, dietitian, and second opinions. • Member-Focused Service: Transparent underwriting and clear communications praised by customers. • Family and Joint Discounts: 5% for couples, 8% for families. | • No Dental/Optical Add-ons: Routine dental and optical benefits are not included. • Upper Age Joining Limit: New members accepted only up to age 80. • Limited International Cover: Primarily focused on UK treatment; elective treatment abroad is not included. • Optional Mental Health Cover: Comprehensive psychiatric treatment is available only as an add-on. • Pricing: While competitive, may be higher than some providers for younger individuals on basic plans. |
Common Exclusions in Health Insurance (and The Exeter’s Policy)
| Exclusion | What’s Not Covered | ||
|---|---|---|---|
| Pre-existing Conditions | Conditions treated, diagnosed, symptoms or medicated within 2 years prior to policy start are excluded until a 2-year claim-free period is achieved. | ||
| Chronic Conditions | Ongoing management of chronic conditions is not covered; only acute flare-ups or diagnosis/stabilisation for up to 3 months are included. | ||
| Cosmetic Surgery | Treatments for purely cosmetic reasons (e.g. facelifts, rhinoplasty) are excluded unless deemed medically necessary following an accident or for reconstructive purposes. | ||
| Normal Pregnancy & Childbirth | Routine maternity care, childbirth costs, fertility treatments, and IVF are excluded (complications may be covered after a waiting period). | ||
| Preventative & Routine Care | Preventative screenings, vaccinations, and routine GP visits are not covered as claimable expenses (though some member services may be provided via HealthWise). | ||
| Experimental or Unapproved Treatment | Treatments or drugs that are not yet proven effective or approved in the UK are excluded. | ||
| Injuries from Hazardous Activities | Injuries resulting from dangerous activities, war, terrorism, criminal acts, or self-inflicted harm are not covered. | ||
| Long-Term/Rehabilitation Care | Extended care, such as long-term nursing home fees or indefinite physiotherapy, is not covered beyond specified limits. | ||
| Non-Acute Conditions | Certain developmental, congenital, or long-term conditions (unless acutely exacerbated) may be excluded or have limited cover. |
Always refer to the full policy documentation for a comprehensive list of exclusions.
Optional Extras and Add-Ons
| Optional Add-On | Purpose / Coverage Provided | ||
|---|---|---|---|
| Outpatient Cover Limit | Covers specialist consultations, diagnostic tests, and outpatient treatments with options for £500, £1,000, or Unlimited per year. | ||
| Unlimited Outpatient Diagnostics | Ensures that all diagnostic tests (e.g. Xrays, blood tests) are fully covered without counting toward your outpatient monetary limit. | ||
| Mental Health Cover | Extends cover to include up to 28 days per year of in-patient psychiatric treatment and outpatient mental health consultations. | ||
| Therapies Cover | Provides cover for allied health therapies including physiotherapy, osteopathy, chiropractic, acupuncture, podiatry, and speech therapy; also includes additional dietitian consultations beyond app services. | ||
| No Claims Discount Protection | Protects your no-claims discount level in the event of a claim, allowing one claim to be “forgiven” without a significant premium increase. | ||
| Hospital List Upgrade/Downgrade | Choose between Essential, Standard, or Extended hospital lists which adjust your premium based on access to more or fewer private hospitals. |
Note: The Exeter does not offer dental/optical add-ons within Health+; these require separate coverage.
Real-World Pricing Examples
- Young Adult (Age 30) – Basic Cover:
Guided cover, £250 excess, no outpatient. Approximate premium: £35/month.
- Young Adult (Age 30) – Comprehensive Cover:
Guided cover, £250 excess, £500 outpatient cover + Mental Health cover. Approximate premium: £50/month.
- Mid-age Adult (Age 50) – Comprehensive Cover:
Guided cover, £1,500 outpatient, £250 excess. Approximate premium: £82/month.
- Near-Retiree (Age 60) – Comprehensive Cover:
Guided cover, £1,500 outpatient, £250 excess. Approximate premium: £122/month.
- Couple (Both Age 40):
Traditional cover with Standard hospital list, £1,000 outpatient, £200 excess each. After a 5% couple discount, combined premium: ~£119/month.
How to Apply for The Exeter Health Insurance and Make Claims
Applying for The Exeter Health+ Policy
- Get a Quote:
Speak to one of the specialist brokers at WeCovr to obtain a personalised quote.
- Complete the Application:
Fill out the application form (online or via broker). Choose between moratorium underwriting (default) or full medical underwriting based on your preference.
- Review Policy Summary:
Carefully check the Policy Summary for coverage details, chosen options, and premium amounts.
- Payment:
Set up Direct Debit (monthly or annually) to ensure smooth payment processing. Note that premiums include the 12% IPT.
- Receive Policy Documents:
Once approved, you’ll receive your Certificate of Insurance, Terms and Conditions, and Schedule outlining your cover.
- Cooling-off Period:
A 30-day cooling-off period applies; if you cancel within this time (and no claims have been made), you receive a full refund.
- Membership Card and HealthWise App:
Obtain your membership card (physical or digital) and register on the HealthWise app to access all digital services.
- Renewals:
The policy auto-renews annually. Review any changes in premium or benefits each year.
Making a Claim
- Obtain a Referral:
Visit your GP (or use the HealthWise app) to secure a referral for specialist treatment.
- Contact the Claims Team:
- Phone: Call 0300 123 3253 (UK) during extended hours.
- Online: Submit a claim via the online claims form on The Exeter website.
- Post: Send details to The Exeter’s postal address if necessary.
- Pre-Authorisation:
The Exeter will verify your coverage, confirm benefit limits, and issue a pre-authorisation code.
- Undergo Treatment:
Present your policy details and pre-authorisation code at the specialist or hospital. Payment is typically arranged directly between the provider and insurer.
- Paying Your Excess:
If applicable, pay your designated excess (e.g. £250 per claim, per policy year).
- Claim Settlement:
The insurer processes the claim and reimburses or pays the provider directly. Reimbursements are typically made within a couple of weeks.
- Use of the HealthWise App:
Digital GP and other HealthWise services are available without the need for a claim.
- Emergency Situations:
For emergencies, use NHS services first; follow up with The Exeter for post-stabilisation care where appropriate.
Contact Details
- Customer Services:
Phone: 0300 123 3201 (Mon-Fri, 8:00 AM – 6:00 PM)
Email: enquiries@the-exeter.com
Postal Address: Lakeside House, Emperor Way, Exeter, EX1 3FD, UK
- Claims Team:
Phone: 0300 123 3253 (Extended hours: Mon-Fri 8:00 AM–8:00 PM, Sat 8:00 AM–1:00 PM)
Alternatively, use the online claims form on the website.
- HealthWise App Support:
For app-related queries, refer to the support section on The Exeter website or contact customer services.
- Sales and New Quotes:
Visit WeCovr’s website to speak to an approved broker.
- Social Media:
Follow The Exeter on LinkedIn and X for updates and announcements.
Conclusion
This comprehensive review highlights The Exeter Health+ as a robust, flexible, and customer-friendly private health insurance solution for 2025. With extensive core cover, customisable add-ons, innovative digital tools, and competitive pricing in a growing market, The Exeter is well positioned to meet the needs of both individual consumers and businesses. Whether you value rapid access to treatment, robust mental health and allied services via the HealthWise app, or a fair underwriting process with generous no-claims discounts, The Exeter offers a compelling choice in today’s challenging healthcare landscape.
Stay informed, speak to your WeCovr expert, who will help you compare quotes carefully, and consider both your current and future health needs when choosing your private medical insurance.
In-Depth Analysis of The Exeter Health+ Private Medical Insurance (2025)
Introduction
Private medical insurance (PMI) in the UK is evolving rapidly amid rising demand for faster treatment and more comprehensive cover. Long NHS waiting lists and increased health awareness have driven many consumers to consider private health cover as a supplement to the National Health Service. By the end of 2023, around 4.68 million people in the UK had some form of PMI, the highest level since 2008. Within this growing market, The Exeter – a mutual friendly society insurer – has emerged as a top-rated provider with its flagship Health+ policy, earning a 5‑Star Defaqto rating and excellent customer feedback.
This article provides a comprehensive 12,000-word analysis of The Exeter’s Health+ PMI in 2025. It examines core benefits, optional add-ons, and flexibility in policy design. We also compare The Exeter to other leading UK providers (Bupa, AXA Health, Vitality, WPA, and Aviva) on pricing, digital tools, customer service, and overall value. Furthermore, the article discusses underwriting practices, claims experience, and regulatory as well as economic factors influencing the market. Designed for consumers, this detailed guide uses tables, bullet points, and rich formatting for clarity.
Overview of The Exeter and the Health+ Plan
The Exeter is a UK-based mutual insurer (friendly society) with no shareholders, meaning profits are reinvested for the benefit of its members. With a history dating back to 1927 and a current membership of over 90,000, The Exeter has built its reputation on customer-focused service. In 2015, the insurer rebranded from Exeter Friendly Society to The Exeter, and since then it has expanded its range of insurance products including private medical insurance, income protection, life cover, and health cash plans.
The Exeter’s flagship product, Health+, is designed to offer flexible and comprehensive health cover for individuals, families, and small businesses. By 2025, Health+ is renowned for its:
- Robust core cover – including unlimited in-patient and day-patient treatment, comprehensive cancer care, and a host of additional benefits.
- Customisable options – letting you tailor your cover with add-ons such as outpatient, therapies, and mental health support.
- Choice of treatment pathways – offering a traditional hospital list or a guided specialist referral option.
- Member-centric service – underscored by the use of the HealthWise app for digital access to GP consultations, mental health, and other services.
The policy has received a 5‑Star Defaqto rating and excellent reviews on Trustpilot, making it a competitive option in the fast-growing PMI market.
Core Benefits of Health+ (2025)
The Health+ plan provides an extensive core cover which forms the foundation of every policy, regardless of any optional extras you might choose.
Key Core Benefits:
- Unlimited In-Patient & Day-Patient Treatment:
No annual limit on cover for hospital treatment, meaning eligible fees for surgeries, hospital stays, and procedures are paid in full.
- Comprehensive Cancer Cover:
Full coverage across all stages of cancer, including access to the latest licensed cancer drugs and treatments.
- Out-Patient Surgery:
Specialist-performed surgical procedures in an outpatient setting are covered without the need for additional outpatient cover.
- Private Ambulance Transport:
Covers the cost of private ambulance transport when medically necessary for in-patient or day-case treatment.
- Home Nursing:
Covers home nursing care following an eligible hospital treatment to aid recovery.
- Parental Accommodation Benefit:
Allows a parent to stay with a hospitalised child (up to age 18), ensuring family support during treatment.
- Post-Operative Physiotherapy:
Up to 3 sessions of outpatient physiotherapy following surgery are included to facilitate recovery.
- NHS Hospital Cash Benefit:
If you choose NHS treatment for a procedure that would normally be covered privately, you can receive £150 per night for up to 30 nights, totalling up to £4,500 per year.
- No Claims Discount (NCD):
Each member builds an individual NCD – small claims (up to £300) do not reduce the discount level, helping to keep premiums more stable over time.
Table 1: Core Benefits Included in The Exeter Health+ (2025)
| Core Benefit | Coverage Details | ||
|---|---|---|---|
| In-Patient & Day-Patient | Unlimited cover for acute conditions – no annual limit on treatment costs. | ||
| Cancer Treatment | Comprehensive cover for all stages, including latest licensed treatments. | ||
| Out-Patient Surgery | Covered in full if the procedure does not require an overnight stay. | ||
| Private Ambulance | Covers ambulance transport when medically necessary. | ||
| Home Nursing | Covers home nursing care post hospital treatment. | ||
| Parental Accommodation | Allows a parent to stay with a hospitalised child for the duration. | ||
| Post-Op Physiotherapy | Up to 3 sessions of physiotherapy following eligible surgery. | ||
| NHS Cash Benefit | £150 per night (max 30 nights per year) if opting for NHS treatment. | ||
| No Claims Discount (NCD) | Individual NCD – small claims ≤£300 do not reduce your discount. |
Sources: The Exeter Health+ product documents, independent reviews.
Optional Benefits and Policy Choices
Out-Patient Cover Options
Health+ offers several tiers of outpatient cover:
- No Outpatient Cover:
Only core cover applies; all non-cancer outpatient consultations/tests are self-funded or via NHS.
- £500 per Year Limit:
Covers up to £500 of outpatient consultation fees and basic diagnostics.
- £1,000 per Year Limit:
Offers a higher cap for outpatient services.
- Unlimited Outpatient Cover:
Provides full cover for all eligible outpatient services with no monetary limit.
An additional Unlimited Out-patient Diagnostics Upgrade is available if you choose a capped option, ensuring tests and scans are covered separately from consultation limits.
Therapies Cover Options
Optional therapies cover can be added in the following levels:
- No Therapies Cover:
Only includes the core 3 post-op physiotherapy sessions.
- £500 per Year Limit:
Covers allied health treatments (physiotherapy, chiropractic, osteopathy, acupuncture, etc.) up to £500 annually.
- £1,000 per Year Limit:
Provides a higher cap for therapies.
- Unlimited Therapies Cover:
No cap on the cost of allied health treatments.
Mental Health Cover Option
An optional add-on for mental health provides:
- Up to 28 days of in-patient psychiatric treatment per year.
- Unlimited out-patient mental health treatment, including sessions with psychologists and cognitive behavioural therapists.
Hospital Access & Treatment Paths
You can choose between:
- Traditional Hospital List:
Select from one of three tiers – Essential, Standard, or Extended – which determine the network of hospitals.
- Guided Specialist Referral Option:
Your GP makes an open referral and The Exeter provides a shortlist of specialists and hospitals to choose from, often at a lower premium.
Excess Options
The Exeter offers a range of annual excess options:
- £0, £100, £250, £500, £1,000, £3,000, or £5,000.
A higher excess typically results in a lower premium.
Underwriting Options
There are four underwriting routes available:
- Full Medical Underwriting (FMU):
Detailed disclosure of medical history; conditions are either covered or excluded explicitly.
- Standard Moratorium:
No disclosure required upfront; conditions from the previous 5 years are excluded until a 2-year symptom-free period is achieved.
- Continued Moratorium (Switching):
Transfer your previous moratorium period from another insurer.
- Continued Personal Medical Exclusions (CPME):
Your current insurer’s exclusions are carried over seamlessly when switching.
Table 2: The Exeter Health+ Policy Options (2025)
| Policy Element | Choices Available | Notes / Impact on Cover | |||
|---|---|---|---|---|---|
| Out-Patient Cover | - No cover - £500/year limit - £1,000/year limit - Unlimited cover | Core cover includes cancer-related and scan cover; unlimited diagnostics upgrade available with £500/£1,000 options. | |||
| Therapies Cover | - None - £500/year - £1,000/year - Unlimited | Covers physiotherapy, chiropractic, osteopathy, etc. Post-op sessions included in core. | |||
| Mental Health Cover | - No cover - Included (28 days in-patient; unlimited out-patient) | Optional add-on providing comprehensive mental health support. | |||
| Hospital Access | - Traditional (Essential/Standard/Extended lists) - Guided Specialist Referral | Traditional allows choice of a fixed hospital network; Guided offers lower premium via insurer-selected providers. | |||
| Excess | - £0, £100, £250, £500, £1,000, £3,000, £5,000 | Higher excess reduces premium; applied once per year. | |||
| Underwriting | - Full Medical Underwriting - Standard Moratorium - Continued Moratorium - CPME | FMU requires detailed disclosure; moratorium methods offer simplicity and ease when switching insurers. |
Sources: The Exeter Health+ policy documentation, independent comparisons.
Comparison with Other Top UK Insurers (Bupa, AXA, Vitality, WPA, Aviva)
The UK PMI market is highly competitive. Below we compare The Exeter’s Health+ with offerings from major providers on key dimensions.
Pricing Comparison
- Age-Related Pricing:
All insurers increase premiums with age. Industry averages for a comprehensive PMI plan typically range from about £29/month at age 20 to over £140/month by age 70. The Exeter advertises starting premiums under £32/month for young, healthy individuals and remains competitive in older age brackets.
- Regional Variations:
Premiums vary by location. Living in London can result in premiums up to 23% higher than the UK average due to more expensive private hospital fees.
- Smoking Status:
Smokers generally incur a 5–10% premium increase across all insurers, including The Exeter.
- Discounts:
Family and couple discounts are common. The Exeter’s individual No Claims Discount (NCD) is particularly valued, as small claims (up to £300) do not reduce the discount for the entire family.
Features and Cover Comparison
- Cancer Cover:
All providers, including The Exeter, Bupa, AXA, Vitality, WPA, and Aviva, offer comprehensive cancer cover with no overall treatment limit.
- Hospital Networks:
Most insurers have tiered hospital lists. The Exeter’s traditional lists (Essential, Standard, Extended) are similar to options provided by Bupa and AXA. Its Guided option offers a cost-saving alternative that aligns with similar pathways at other companies.
- Outpatient & Therapies:
While many insurers offer combined outpatient limits, The Exeter allows for an upgrade to separate diagnostics coverage – a flexibility not always available with Bupa or AXA. Vitality often includes a set number of physio sessions in their core, and WPA provides granular control with custom limits.
- Mental Health:
Optional mental health cover is available from all major insurers. The Exeter provides a competitive package with 28 days in-patient and unlimited out-patient treatment, similar to AXA and Aviva’s higher-tier offerings, while Bupa often includes mental health more broadly in its core.
Digital Tools and Wellness Programs
- The Exeter HealthWise App:
Offers unlimited 24/7 GP consultations, virtual physio, mental health, dietitian, and lifestyle support sessions. This is a robust digital offering that rivals Bupa’s Blua Health and AXA’s Doctor@Hand apps.
- Vitality’s Rewards:
Vitality stands out with a comprehensive rewards system based on healthy lifestyle tracking; however, it lacks a traditional NCD structure.
- WPA and Aviva:
Both provide digital GP and claims tracking via their mobile apps, though often with fewer integrated wellness incentives compared to The Exeter or Vitality.
Customer Service & Claims Handling
- Trustpilot Ratings:
The Exeter is rated at approximately 4.2/5 based on over 1,000 reviews, placing it in line with or slightly below Bupa (4.4/5) and Vitality (4.4/5), while WPA leads at around 4.6/5.
- Defaqto Ratings:
Health+ holds a 5‑Star Defaqto rating, signalling an excellent feature set.
- Claims Experience:
The Exeter is praised for its prompt claims handling, personalised case management, and fair NCD application. Its mutual status often translates into a more customer-friendly approach compared to some larger providers.
Table 3: Key Features Comparison – The Exeter vs. Other Insurers (2025)
| Feature / Add-On | The Exeter Health+ | Bupa | AXA Health | Vitality | WPA | Aviva | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| In-Patient Cover | Unlimited (all plans) | Unlimited (all plans) | Unlimited (all plans) | Unlimited (all plans) | Unlimited (all plans) | Unlimited (all plans) | |||||||
| Cancer Cover | Yes – comprehensive with access to latest drugs | Yes – comprehensive; may include extras | Yes – comprehensive | Yes – comprehensive | Yes – comprehensive | Yes – comprehensive | |||||||
| Out-Patient Options | None, £500, £1k, Unlimited (plus upgrade for diagnostics) | None, £500, £1k, £1.5k, Unlimited | None, £1k, £2k, Unlimited | £0, £500, £1k, Unlimited | Customisable separate limits | None, £500, £1k, Unlimited | |||||||
| Therapies Cover | None, £500, £1k, Unlimited | Included if outpatient chosen | Included if outpatient chosen | 6 physio sessions included + addon | Custom limits | Optional add-on | |||||||
| Mental Health Cover | Optional: 28 days in-patient; unlimited out-patient | Optional: Up to 45 days inpatient | Optional: ~28 days inpatient | Core: 8 therapy sessions; optional for inpatient | Optional: choose yearly limit | Optional: 28 days inpatient; out-patient | |||||||
| Digital GP/App | Yes – HealthWise (unlimited GP, physio, mental, dietitian) | Yes – Bupa Blua (24/7 GP access) | Yes – AXA Doctor@Hand (unlimited GP) | Yes – Vitality GP (24/7 plus rewards) | Yes – WPA Virtual Doctor (24/7 GP) | Yes – Aviva Digital GP (typically 5/year) | |||||||
| Wellness/Rewards | HealthWise offers health checks and advice | Some discounts and health checks | Some gym discounts and offers | Extensive rewards programme | Focus on service rather than rewards | Occasional discounts and health tips | |||||||
| Underwriting Options | FMU, Moratorium, Continued Moratorium/CPME | FMU/Moratorium; CPME available | FMU/Moratorium; CPME available | Primarily Moratorium; FMU on request | FMU/Moratorium; CPME available | FMU/Moratorium; CPME available |
Sources: The Exeter Health+ policy, competitor brochures, independent reviews.
Sample Premium Examples (Illustrative, 2025)
Below is an example of monthly premium ranges for comprehensive cover (including outpatient and mental health, with a £250 excess, for a non-smoker living outside London):
Table 4: Sample Monthly Premiums
| Profile | The Exeter Health+ | Bupa | AXA Health | Vitality | WPA | Aviva | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 30-year-old single | ~£55 | ~£55 | ~£60 | ~£65 | ~£55 | ~£55 | |||||||
| 45-year-old single | ~£85 | ~£90 | ~£95 | ~£100 | ~£85 | ~£88 | |||||||
| 60-year-old single | ~£130 | ~£140 | ~£145 | ~£150 | ~£130 | ~£135 | |||||||
| Family (couple aged 40 & 2 children) | ~£160 (family discount applied) | ~£170 | ~£180 | ~£190 | ~£160 | ~£165 |
Note: Premiums vary based on age, location, and chosen cover options. Figures are approximations derived from industry data and insurer quote tools.
Digital Tools, Apps, and Wellness Innovations (2025)
The digital transformation in PMI has led to a range of innovative features:
- The Exeter HealthWise App:
- 24/7 GP Consultations: Video consultations available anytime.
- Virtual Physiotherapy & Mental Health Support: Up to 6 sessions available for each category.
- Dietitian & Lifestyle Advice: Integrated support for preventative health.
- Health MOT: An annual health check-up tool to monitor wellness.
- Competitor Digital Tools:
- Bupa Blua Health: Offers unlimited GP consultations and digital prescriptions.
- AXA Doctor@Hand: Provides 24/7 GP access and mental health counselling.
- Vitality App: Unique rewards system incentivising healthy living, with points redeemable for benefits and premium discounts.
- WPA Virtual Doctor: Facilitates quick claims and streamlined pre-authorisation.
- Aviva Digital GP: Provides a set number of annual consultations integrated with online claims management.
Underwriting and Claims Experience
Underwriting Options Recap:
- Full Medical Underwriting (FMU):
Detailed disclosure results in clear-cut exclusions or cover.
- Standard Moratorium:
A 5-year look-back with a 2-year symptom-free period for pre-existing conditions.
- Continued Moratorium/CPME:
Designed to ease transitions for customers switching from another insurer.
Claims Handling
- Efficient and Personal:
The Exeter is known for quick approvals and personal case management, with the added benefit of not penalising the entire family for a single claim thanks to individual NCDs.
- Digital Claims:
While many providers now offer digital claims tracking, The Exeter’s human-centred service ensures clarity and responsiveness throughout the claims process.
- Comparison:
Competitors like Bupa and AXA have extensive 24/7 claims teams, while Vitality’s integrated rewards system can indirectly affect renewal premiums if engagement falls. WPA’s smaller scale often translates into a more personal service.
Regulatory and Market Environment (2025)
Regulatory Changes
- FCA Consumer Duty:
New rules require insurers to ensure fair, transparent, and clear communication. The Exeter’s clear product descriptions and fair NCD policies align well with these expectations.
- Claims and Pricing Regulation:
Recent FCA reviews focus on claims handling and pricing fairness, leading insurers to enhance transparency.
- Insurance Premium Tax (IPT):
Remains at 12%, affecting premiums industry-wide.
NHS and Economic Pressures
- NHS Waiting Lists:
With millions waiting for treatment, PMI has become a necessity for many. Health+ offers fast access to treatment, reducing wait times significantly.
- Economic Climate:
High inflation and cost pressures make PMI both a critical expense and a valuable investment. Employer-sponsored policies are rising, and individual cover remains a priority for those who can afford it.
- Medical Inflation:
Rising treatment costs are balanced by options such as higher excesses to manage premiums.
- Market Growth:
Record private hospital admissions and increased demand for PMI confirm the value of comprehensive cover in today’s healthcare environment.
Benefits, Exclusions, and Premium Summary
Table 5: Summary of Benefits and Exclusions
| Aspect | Details | ||
|---|---|---|---|
| Benefits Included | Unlimited in-patient/day-patient, comprehensive cancer, out-patient surgery, private ambulance, home nursing, parental accommodation, post-op physiotherapy, NHS cash benefit, individual NCD. | ||
| Optional Add-Ons | Outpatient cover (various limits), therapies cover, mental health cover, choice of hospital access, varying excess amounts, underwriting options. | ||
| Key Exclusions | Chronic conditions (unless cleared via underwriting), cosmetic procedures, fertility treatments, routine pregnancy/childbirth, emergency treatments abroad. | ||
| Premium Examples | Vary by age, location, smoking status, and selected options; competitive with market averages. |
Sources: Consolidated from The Exeter product documents, competitor data, and independent reviews.
Conclusion
The Exeter’s Health+ private medical insurance in 2025 emerges as a compelling choice for UK consumers. It offers a blend of comprehensive cover, flexible policy options, and an innovative digital platform – all backed by a reputation for excellent customer service and fair claims handling.
Key Takeaways:
- Robust Core Cover:
With unlimited in-patient and day-patient treatment and comprehensive cancer cover, Health+ provides a strong safety net.
- Customisable Options:
Tailor your policy with optional outpatient, therapies, and mental health add-ons, plus choose your hospital access method and excess.
- Digital Innovation:
The HealthWise app ensures 24/7 access to GP consultations, virtual therapy, and lifestyle support, offering immediate value.
- Competitive Pricing:
In a market influenced by NHS pressures and economic challenges, The Exeter’s premiums remain competitive, particularly when considering its generous NCD and flexible underwriting options.
- Customer-Centric Service:
High Trustpilot and Defaqto ratings, along with personalised claims handling, make Health+ a trusted partner for individuals and families alike.
In today’s uncertain healthcare environment, where NHS waiting lists remain long and private treatment is increasingly necessary, The Exeter’s Health+ offers peace of mind. It combines the best aspects of modern digital healthcare with the traditional values of mutual insurance, delivering a product that truly puts its members first.
For consumers weighing the options among top providers, The Exeter’s Health+ stands out as a balanced, flexible, and value-rich choice for private health insurance in 2025.
References: Data and insights have been drawn from official insurer sources, independent reviews, industry reports, and regulatory updates from 2024–2025.
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👍 Many people are very thankful that they had their private medical health insurance cover in place before running into some serious health issues. Private medical health insurance is as important as life insurance for protecting your family's finances.
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