Health insurance


What’s covered and what’s not?
Here’s the answer, plain and simple.

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What’s covered and what’s not?
Here’s the answer, plain and simple.

What is this type of insurance?
  • This insurance is designed to provide quick access to private healthcare in the UK, for acute conditions that are likely to respond to treatment.
Who is covered?
  • All applicants must live in England, Scotland, Wales or Northern Ireland. Cover is provided for private medical treatment received at a hospital on the list they choose.
What are their obligations?
  • Members must take reasonable care to answer any questions asked about them or any other insured person when they take out this policy or make a claim
  • Members should check their Policy Documents to make sure they have the cover they expect, and should review cover regularly
  • Claims must be authorised by us before members go ahead with any consultations, tests or treatment
  • Members must pay the premiums when required
  • In the event of a claim, members must pay any annual excess stated in their Policy Certificate
  • Members must inform us if any of their personal details change.
When and how do they pay?
  • Members can pay premiums monthly by Direct Debit or annually by either Direct Debit or debit or credit card.
When does the cover start and end?
  • From the start date shown on the Policy Certificate. It will last for a period of 12 months, unless cancelled by a member or us at an earlier date, and is renewable annually. 
How do they cancel the contract?
  • Members can cancel at any time. If they cancel within 30 days from the start date, provided no claims have been made, they will receive a full refund of the premium.
In-patient and day-patient benefits
  • Consultant and specialist fees
  • Diagnostic tests
  • Hospital charges (including any necessary medical aids or take-home drugs).
Out-patient benefits
  • CT, MRI and PET scans, including professional fees where appropriate
  • Out-patient surgery
  • Up to three sessions of post-operative physiotherapy.
Cancer cover
  • Cover for all stages of cancer once diagnosed, including palliative and terminal treatment, with no time or financial limit.
Benefit add-ons (optional)
  • Out-patient cover – specialist consultation fees and diagnostic tests
  • Unlimited out-patient diagnostics – covers out-patient diagnostics tests in full
  • Therapies cover – treatment by a Physiotherapist, Chiropractor, Osteopath, Acupuncturist, Podiatrist, Speech therapist, Pain clinic or Dietician (maximum of two consultations)
  • Mental health – treatment as an in-patient, day-patient or out-patient. In-patient and day-patient cover limited to 28 days of treatment and hospital charges.
Policy choices
  • A choice of three hospital lists, Essential, Standard and Extended
  • A No Claims Discount, where members earn discounts on premiums if they stay healthy and don’t claim
  • A choice of excess options, which apply to each member in each policy year
  • A choice of underwriting options, whether members are switching from another insurer or are new to health insurance.
Additional benefits
  • Private ambulance
  • Home nursing
  • Parental accommodation
  • Hospice donation
  • NHS cash benefit – £150 per night for up to 30 nights
  • Members of The Exeter have access to membership benefits that offer additional care and support.
Policy exclusions
  • Alcohol, drug or substance abuse
  • Convalescence & rehabilitation
  • Cosmetic and plastic surgery, bariatric and weight loss surgery
  • Deliberate self-inflicted injury or suicide attempt
  • Emergency treatment, until your consultant has decided you can transfer to private facilities and you have authorisation from us
  • Experimental treatment
  • Learning and developmental disorders
  • Major organ transplants
  • Mental & psychological treatment (unless the policy includes the mental health benefit add-on)
  • Out-patient drugs, dressings and medical aids
  • Pre-existing conditions – subject to underwriting type
  • Pregnancy and fertility
  • Preventative screening procedures, treatment & tests
  • Professional sports injuries
  • Renal dialysis
  • Self-elected treatments
  • Sex change / gender re-assignment
  • Sight, hearing or dental disorders
  • Treatment by your GP, optician or dentist
  • Treatments in nursing homes
  • Treatment or monitoring of ongoing, recurrent and long term conditions (also known as ‘chronic conditions’).
Cover restrictions
  • If there is an excess on the policy, this will be deducted from the eligible treatment costs for each person, each policy year
  • There is a choice of hospitals and clinics throughout the UK that members can use, depending on the list they choose
  • We publish a fee schedule, which sets out the maximum fees we will pay specialists for the treatment they provide
  • Some cover options may be excluded or limited based on the choices members make.

Plus all Health+
members also get access to:

The free members app that provides quick and convenient medical advice and treatments via their smartphone or tablet and can be accessed from anywhere in the world.

  • GP on demand and prescription service
  • Second medical opinion
  • Physiotherapy 
  • Mental health support
Discover more

For a fast and convenient introduction to our products, simply request a 20 minute briefing via video conference.

Request an online product briefing
20 minute product briefing

Well worth a read.

Product Guide

Product Guide

Policy Document

Policy Document

IPID (Policy Summary)

IPID (Policy Summary)