The Exeter may not be the largest insurance firm but its mutual status and customer focus keeps it among the best. With a five-star 2020 Defaqto rating, it provides a variety of products in private healthcare, including specialist life cover, specific income protection and modular health policy, plus a host of member benefits. The Exeter also publishes a regular news update with its latest research.
What makes The Exeter health insurance different?
The Exeter offers a modular approach to private medical insurance, combining core cover with benefit add ons and four policy choices. When building your cover package you can manage your premium without needing to compromise on your cover quality:
Hospitals: choose from a list of essential, standard and extended, all of which include London options
Underwriting preferences: a policy transfer to a Health+ could allow you to keep the cover for existing conditions or you can achieve fast cover by choosing The Exeter standard moratorium
Excess preference: choose your excess amount from £0-£5,000
Optional no claims discount: where this option is taken premium discounts will be earned for not claiming and claims by individuals on the same policy will not impact the others covered
What does The Exeter health insurance include?
The core cover: unlimited day patient and inpatient cover, PET, MRI and CT scans and complete cover where cancer is diagnosed
Benefit add ons: enhance your core policy by adding cover for outpatient treatment, mental heath, therapies and unlimited diagnostics as an outpatient
Health+ - includes policy choices to help you fine tune your premium with a variety of excess amounts, three hospital lists and underwriting options
No-claims discount: opt out completely or opt in to earn up to a 75% discount
HealthWise App: every member is given free access to digital services including GP on demand, digital prescriptions, medical second opinions, physiotherapy and mental heath support. This services doesn't incur a claim and can be accessed anytime
How to reach The Exeter health insurance experts
General enquiries on life cover, income protection and health cover enquiries can be made Monday to Friday from 8am to 6pm by calling 0300 123 3201. Additionally the claims team can be a reached between 8am to 8pm Monday to Friday and 8am to 1pm on Saturdays. They also offer a dedicated line for cash plan or Medicare customers. The Exeter list email and postal addresses on its Contact Us web page.
The Exeter customer reviews
Customer reviews online evaluate The Exeter as a whole organisation, not specific products. Trustpilot has received 361 reviews which rate The Exeter at 4.5 stars out of 5, with a rank of 'excellent. Affordability, professionalism and efficiency are among the praise received from customers.
How to make a claim
You can register a claim in writing, over the phone or online. When registering online you will be offered a selection of time slots to book a time most convenient to you to progress your claim. Whichever communication you choose you will need to have the following to hand:
Policy holder name
Basic information regarding the reason for the claim
The Exeter health insurance FAQs
Why go private?
Our free National Health Service is in high demand and this can often mean queues. Private medical insurance makes it faster and easier to see a specialist or doctor and if you're concerned by health conditions that may arise in future, peace of mind can be found with a policy from The Exeter.
Why choose The Exeter?
The Exeter have a mutual status and do not have shareholders, therefore they are free to re-invest in ways that keep their customer and advisor needs at the forefront.The Exeter have a mutual status and do not have shareholders, therefore they are free to re-invest in ways that keep their customer and advisor needs at the forefront.
What member benefits are available?
The HealthWise app is available at anytime, anywhere to all members without the need to make a claim and provides direct free access to medical experts via a tablet or smartphone. Digital services include up to four on-demand GP consultations and prescriptions per year via telephone or video, up to two second medical opinion consultations per year, up to six physiotherapy consultations per year and up to six consultations for mental health support per year.