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The Exeter private health insurance reviews

The Exeter is an award-winning insurance provider in the UK with a lot to offer to their customers. They are a newer insurance provider offering some innovative policies plus a range of great customer benefits such as cash pay outs for NHS hospital stays, remote GP access and more.

Health insurance is one of the best ways to protect your health and ensure you have access to the UK’s best healthcare and specialists. The Exeter gives you two options for cover, so you can choose the policy that works best for your health and lifestyle.

About The Exeter

The Exeter stands out as a newer insurance provider with a range of innovate products designed to protect UK customers. The Exeter is a trading name of Exeter Friendly Society Limited, based in Exeter UK (as referenced in their name).

As a mutual company, there are no shareholders to pay which means all the profits are reinvested back into the business.

This allows the Exeter to constantly update and improve their products and customer service processes to make things better for their customers. All Exeter customers automatically become members, meaning you are entitled to have your say about how the business is run.

About The Exeter health insurance

The Exeter health insurance (also known as The Exeter Health+) is a private medical insurance policy. This cover is designed to help you access the best possible healthcare if you become ill or injured. The Exeter claims that their policies ‘help people, just like you, get the fastest possible diagnosis and the best possible private treatment’.

There are two options for health insurance cover which are:

  • The Exeter Health+ (traditional)
  • The Exeter Health+ (guided)

Both options give you access to the same core cover. The traditional option will give you access to a wider range of hospitals and specialists. The guided option is a more cost-effective choice, which can be useful if you are on a tighter budget and still offers a good level of cover.

You can add your family members to your policy as well, to give you some peace of mind that your loved ones have access to the best medical care.

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The Exeter has won various insurance industry awards for their policies and customer service. This includes the following awards from the past 2 years:


The Right Mortgage Awards – Best Customer Service Provider


Cover Customer Care Awards – Best Health & Wellness Offering

Why choose The Exeter health insurance?

The Exeter health insurance policies are very flexible allowing you to add on the extras that best suit you on top of the already comprehensive core cover. You can also choose the ‘guided’ option which can help you cut costs if you are concerned about budget.

Some of the key benefits included in core cover are:

  • Unlimited cover for treatment at a The Exeter approved hospital (day patient and inpatient treatment)
  • Full cover for all stages of cancer treatment
  • Cover for any out-patient surgeries with an approved specialist
  • Private ambulances and home nursing options (if needed)
  • £150 cash pay out for every night spent in an NHS hospital (up to 30 nights maximum)

When you apply for The Exeter health insurance, you will be given the choice of two policies. The policy you choose determines the number of Exeter approved hospitals you can be treated in and how your claims process will work.

1. The Exeter ‘traditional’ Health +: You are given 3 hospital lists to choose from when you buy your policy. Your GP or doctor can refer you to any named specialist and then you can then choose the hospital you want to be treated by from your hospital list.

2. The Exeter ‘guided’ Health +: You don’t choose an Exeter hospital list when you buy your policy. Instead your GP will make an open referral to a specialist and The Exeter will give you a recommended shortlist to choose from.

What does The Exeter health insurance cover?

Type of CoverThe Exeter Health+ health insurance
Available policiesThe Exeter Health+ (traditional)
The Exeter Health+ (guided)
What is covered?With The Exeter core health insurance cover, you can claim for:  

In-patient and day-patient treatments
Cancer treatments and consultations
CT, MRI and PET scans
Out-patient surgeries
Private ambulances
Home nursing costs
Parental accommodation if your child (under 18) is in hospital
Up to 3 session of post-operative physiotherapy
£150 per night cash benefit for NHS hospital stays (up to 30 nights)
£250 donation to your hospice if you are admitted for care  

You can also add on a range of additional benefits such as enhanced out-patient cover and therapies cover.
What is not covered?The Exeter Health+ will not cover:  

Treatment caused by alcohol, drug or substance abuse
Long term/ongoing (chronic) medical conditions (doesn’t include cancer)
Convalescence/rehab treatment
Cosmetic surgeries
Weight loss surgeries
Self inflicted injuries/suicide attempts
Emergency medical treatment
Experimental medical treatments (not NICE approved)
Learning/developmental disorders
Pre-existing conditions (some cases)
Some out-patient drugs, dressings and medical aids
Mental/psychological treatments (this can be added as an extra benefit)
Pregnancy related treatment/conditions*
Preventative screenings/treatments
Professional sport injuries
Renal dialysis
Gender reassignment
Elective medical treatment
Sight/hearing/dental treatment
GP, optician, dentist treatments
Treatments that take place in a nursing home
Overseas medical treatments
Policy termYou are covered for 1 year (12 months) from when you buy your policy.  
You can then renew your cover if you want it to continue.
Where am I covered?Your policy will cover you for medical treatment within the UK (excludes Channel Islands and Isle of Man).
Increasing cover option included?To increase your level of cover you can add on additional benefits to your policy.  
This includes options like enhanced out patient cover and mental health cover.
Decreasing cover option included?There isn’t a decreasing cover option but you can choose the ‘guided’ plan.  
This plan signposts you to an approved list of specialists rather than a full hospital list, and so is usually cheaper.  
You can lower the cost of your policy by removing add ons when you come to renew your plan.
Premium options (when do I pay?)You can pay monthly or annually via Direct Debit, whichever option suits you.

Most people will be eligible for a health insurance policy, but these are the main requirements to know about before you apply:

  • You must live in England, Scotland, Wales or Northern Ireland
  • You must pay all premiums for the cover to continue
  • You must answer all questions you are asked honestly when you apply
  • You must inform The Exeter about changes to personal details e.g. change of name or address
  • You must pay any excesses agreed to in your policy documents when you claim
  • The Exeter must authorise your claim before you start any treatments, tests or consultations
Unlimited day-patient and in-patient medical coverOnly covers medical treatments within the UK (excludes Channel Islands, Isle of Man)   You would need travel insurance to be covered while abroad.
Access to a range of benefits as standard e.g. £150 per night cash pay out for NHS hospital staysChronic (long term) medical conditions won’t be covered
Option to choose ‘guided’ cover to lower costsSome cover options might be more limited depending on the policy or hospital list you choose

The price of health insurance can vary with any provider as insurers will consider factors such as your age when deciding on price. The price you pay will also depend on the specific policy you choose and if you want to add on any extra benefits.

You can opt for ‘guided’ cover compared to traditional The Exeter Health + which will usually cost less, but still provides the same great core cover.

Another easy way to lower the cost of your policy is to choose to pay a higher excess for any treatments you claim for. You can choose a claims excess of between £0 to £5000 maximum. The higher the excess amount you choose, the lower the cost of your policy will be each month.

The Exeter has a price comparison calculator online which can help you get a quick estimate of how much your policy will cost. This is based on your post code, age and amount of excess you want to pay.

The Exeter – Health+ Comparison Calculator

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

YES – it should still be possible to get health insurance from The Exeter if you have one or more medical conditions. It’s important to note though that these conditions might not be covered by your policy.

Whether you have cover for pre-existing conditions will depend on the type of underwriting you choose when you apply. Your expert health insurance advisor will be able to explain how each type of underwriting will work but here is a quick breakdown for you:

1. Full medical underwriting: You provide full details of your medical history which can help lower the cost of your cover. With this option, you will be covered for any pre-existing conditions that The Exeter agrees to cover.

2. Standard moratorium: You don’t need to disclose any medical conditions you have when you apply. For the first two years of cover, you won’t be covered for any medical conditions you have been diagnosed with/received treatment for within the last 5 years.

3. Continued moratorium: This option allows you to continue your waiting period (as detailed above) from a previous health insurance policy.

EXAMPLE: If you are swapping from an existing health insurance policy with Aviva, the two years in which you won’t be covered for pre-existing medical conditions would be one year. This is because the first year will be from your Aviva policy.

The Exeter health insurance contact numbers

If you need to talk to The Exeter about your policy, these are The Exeter’s main contact details.

For health insurance enquiries and questions:

Telephone – 0300 123 3201

Email –

Opening hours – Monday to Friday 8.00am to 6.00pm

For general enquiries:

Telephone – 0300 123 3201

Email –

Opening hours – Monday to Friday 8.00am to 6.00pm


The Exeter,

Lakeside House,

Emperor Way,


How to claim on The Exeter health insurance

The first few steps of claiming on your policy will be the same regardless of whether you have chosen traditional cover or guided cover.

Here is the process for both policy types:

Traditional coverGuided cover
1. Visit your GP about your condition. Your GP can then recommend and name a specialist for you to see (that can be accessed on your hospital list)  

2. Call The Exeter to start the claims process with details of your referral  

3.Accept your GP’s referral or choose another specialist from your hospital list The Exeter will contact the specialist after your appointment to get the details of any treatment you need  

4. The Exeter then confirms what you are covered for and you can select any hospital from your list to proceed with your treatment  

5.The Exeter pays the bill (accounting for factors such as excess etc.)  
1. Visit your GP about your condition
2. Ask for an open referral from your GP  

3. Call The Exeter to start the claims process
4. The Exeter will give you a choice of up to 3 specialists to choose from  
5. They will contact the specialist after your appointment to get the details of any treatment you need  

6. The Exeter then confirms what you are covered for, selects a convenient hospital for you and will pay the bill (accounting for factors such as excess etc.)

The Exeter states:

  • Members can submit their own claims from the age of 16 onwards
  • They may need additional information from your GP before approving your claim
  • You must contact The Exeter within 3 months of an NHS hospital stay to claim your cash benefit

The Exeter claims contact details

Telephone – 0300 123 3253

Opening hours – 8.00am – 8.00pm Monday to Friday / 8.00am – 1.00pm Saturday


The Exeter,

Lakeside House,

Emperor Way,



The Exeter health insurance hospital lists

As with most health insurance providers, the Exeter has several hospital lists that you can choose from for your policy. You decide which list seems like the right fit for you when you apply.

Your options are:

1. The Exeter Essentials hospital list: This option is great for someone with a smaller budget and still gives you access to large hospitals and NHS private units for a lower cost.

2. The Exeter Standard hospitals list: This will include all the same hospital/units as in the essentials list PLUS extra independent hospitals for a wider range of choice.

How to cancel The Exeter health insurance

You are always entitled to cancel your health insurance policy early if you no longer want the cover or want to swap to another provider.

To cancel your health insurance with The Exeter, you simply contact them and tell them you want to cancel.

Telephone – 0300 123 3201

Opening hours – Monday to Friday 8.00am to 6.00pm

How to complain about The Exeter health insurance

If you aren’t fully happy with the health insurance or service received from The Exeter, you are entitled to complain. The Exeter works hard to try and resolve any complaints quickly and aims to resolve any complaint within 8 weeks (usually sooner).

The Exeter complaints contact details

Telephone – 0300 123 3201


The Exeter,

Lakeside House,

Emperor Way,



Financial Ombudsman Service Logo

Making a complaint to the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.

Telephone – 0800 023 4567 (or 0300 123 9123)

Telephone (outside the UK) – 0207 964 0500

Up to £150 cash pay out (NHS hospital benefit) – You can receive a £150 pay out for every night spent in an NHS hospital (for up to 30 days maximum)

Cover for 3 sessions of post-operative physiotherapy – The Exeter will pay for up to 3 physiotherapy sessions following any surgery (in-patient, out-patient or day patient)

Unlimited cover for in-patients and day-patients – The Exeter doesn’t limit their cover for any in-patient or day patient hospital treatments.

FREE access to HealthWise app – The Exeter’s HealthWise app can be used for extra support services such as remote GP appointments, mental health support and more.

Optional benefits of The Exeter health insurance

Enhanced out-patient cover – You can enhance your out-patient cover to add cover for tests such as X-rays and ECGs and specialist fees.

Unlimited out-patient diagnostics cover – You can upgrade your out-patient cover so all out-patient diagnostic tests are fully covered.

Mental health cover benefit – This benefit includes extra mental health support by covering out-patient mental health consultations and treatments. You will also be covered for any specialist treatments as an in-patient or day patient for up to 28 days (nursing and accommodation).

Additional therapies cover – You can receive treatment from specialists such as physiotherapists, chiropractors, osteopaths, acupuncturists and more. This includes two consultations with a dietician to help you improve your health and lifestyle.

The Exeter health insurance reviews (TrustPilot)

You may find it reassuring to look at customer reviews before buying health insurance, to give you an idea of what other people think. The Exeter gathers their reviews on the UK’s biggest independent customer review site TrustPilot.

The Exeter Health Insurance (TrustPilot score) – 4.4 out of 5.0 stars

The Exeter is well reviewed by their customers, with 75% of their reviews being 5.0 out of 5.0 stars.

Frequently asked questions about The Exeter health insurance

Is The Exeter health insurance worth it?This will come down to personal opinion, but The Exeter offers good quality core cover and the option of two policy types to suit people in different situations.  
You can add extra benefits to your policy to enhance your cover and ensure your health insurance is the best fit for the cover you need.
Who owns The Exeter health insurance?The Exeter is owned by their own members. You automatically become a member of The Exeter when you purchase a policy.   This allows The Exeter to reinvest any money they make into improving their products and services for their customers.
Is Exeter part of AXA?The Exeter works together with AXA (another top UK health insurance provider) to process their health insurance claims.

The Exeter also sells a range of other insurance policies to help cover you and protect your home and family. These policies include:

While you can only apply for The Exeter life insurance and income protection via an insurance broker, you can apply for health insurance directly through the website. If you are happy to do this and confident in your choice of cover, The Exeter will accept direct applications.

Your other option is to get some extra help and support from a health insurance expert. This is often the easiest and best way to make sure you’re getting the right level of cover at a fair price.

Our experts can compare policies across the market quickly and easily to make sure that The Exeter is the best choice for you. And if they’re not, we can help you find brilliant health cover with another top-rated UK health insurance provider.

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