At the heart of every Health+ policy is core cover, designed to provide fast access to the best possible treatment.
Unlimited in-patient & day-patient treatment
Our core cover never limits in-patient and day patient treatment. Any treatment is made available for as long as it’s needed, at any hospital on the chosen list.
Complete cancer cover
Cancer may be your client's biggest fear - so we take it seriously. Every Health+ member has cover for all stages of cancer, including access to the latest drugs and treatments.
If members need an out-patient surgical procedure it can be performed by a specialist at any hospital on their hospital list.
When it’s essential that an in-patient or day-patient has medical treatment whilst they travel to, between or from hospital we’ll provide a private road ambulance.
Sometimes patients still need nursing once they leave hospital. So, if required, home nursing is made available to in-patients & day-patients following treatment.
If your client's children require treatment in hospital it can be a worrying time, so they can stay with their child (up to age 18) for as long as it takes.
Often it can take more than surgery to get members back on their feet. If that’s the case our core cover will provide up to 3 sessions of post-operative out-patient physiotherapy following in-patient, day-patient or out-patient surgery.
NHS cash benefit
If it’s easier for members to have free in-patient treatment under the NHS and the treatment would be covered under your policy, we’ll pay out £150 per night for up to 30 nights.
Our benefit add-ons let you enhance your client's cover, ensuring they get exactly what they want from their policy.
Additional out-patient cover
You can choose to enhance out-patient cover to include specialist fees and diagnostic tests such as X-rays, ECGs and pathology tests at any hospital on the chosen hospital list.
CT, MRI and PET scans, as well as all treatment and consultations related to diagnosed cancer, are included under core cover.
Unlimited out-patient diagnostics
If your client chooses a limit on out-patient cover of either £500 or £1,000 per year, your client can upgrade this with unlimited out-patient diagnostics. This means that out-patient diagnostic tests are covered in full, and only specialist consultation fees are deducted from your clients' chosen out-patient limit.
Additional mental health cover
By adding mental health cover your client is covered for specialist treatments as an in-patient or day-patient including accommodation and nursing for up to 28 days.
Out-patient consultations and treatment by psychologists and cognitive behavioural therapists are also covered in full.
Additional therapies cover
With our additional therapies cover, following a GP or specialist referral, members can get access to a physiotherapist, chiropractor, osteopath, acupuncturist, podiatrist, speech therapist, pain clinic or two consultations with a dietician.
We don’t believe you should have to reduce cover to cut premiums. That’s why Health+ gives you four choices that allow you to manage your client's premiums without compromising the quality of cover.
Choice of hospitals
We offer a choice of three hospital lists: Essential, Standard and Extended – all of which include London hospitals. Essentially the more hospitals your client wants access to, the higher the premiums.
If your client is switching from another insurer, you may be able to transfer them to Health+, keeping cover for conditions which have started since their policy began. We may also apply additional medical exclusions to their policy.
If your client is new to health insurance, they can choose to get cover fast, using our standard moratorium. If they claim, we will then check their medical records to make sure the condition wasn’t pre-existing, as these are usually excluded from cover until they've been fully clear of all symptoms for two years.
Either way, if your client applies on full medical underwriting, their premiums will usually be cheaper and they'll always know what is and isn’t covered from day one.
With Health+ you have a choice of excess amounts: £0, £100, £250, £500, £1,000, £3,000 or £5,000. As you’d expect, the lower the excess amount, the higher the premium.
Optional No Claims Discount
With our No Claims Discount, members will earn discounts on their premiums if they stay healthy and don’t claim.
What’s more, each member on the policy has their own No Claims Discount, so a claim by one person will not affect the No Claims Discount of the other people covered by the policy.
Whether your client is new to health insurance or thinking of switching from another insurer, we have the underwriting option that’s right for them.
Full medical underwriting
With full medical underwriting, your client will need to complete a full medical declaration, including details of the medical history of all family applicants. This means any pre-existing conditions will be excluded unless we agree to accept them.
The advantage of this option is it gives us a complete picture of your client's health so normally results in more cost-effective premiums.
With Standard Moratorium, your client won’t need to provide information about their medical history when they join. For the first two years of membership, we won’t cover any medical conditions they’ve had in the last five years before joining us.
However, as long as there has been a clear two-year period after the start of their policy during which they have been free of symptoms, medication, treatment and advice in connection with that condition, they'll be covered for it in the future.
This option is designed to let your client continue the moratorium period that already applies to their existing private medical insurance policy with another provider. They will need to provide a certificate from their previous insurer with the application. They will also need to answer a few questions about recent or planned medical conditions or treatment.
In line with most other insurers, our Continued Moratorium works on a two-year rolling basis, similar to our Standard Moratorium option explained above. The only difference is that the moratorium period will be from the start date of your client's current policy, not their new policy with The Exeter. This means that
pre-existing conditions may be covered by us if they have been free of symptoms, medication, treatment and advice in connection with them for a two-year period. We may also apply additional medical exclusions to their policy.
Continued personal medical exclusions
This option is designed to allow your client the opportunity to carry across the personal medical exclusions from their existing policy, where the current policy is on a Full Medical Underwriting or Continued Personal Medical Exclusions basis.
They will need to provide a certificate from their previous insurer with the application and also answer a few questions about recent or planned medical conditions or treatment.
Remember, even if your client already has health insurance with another provider, they can apply as a new customer using our Full Medical Underwriting or Standard Moratorium options.
Plus all Health+
members also get access to:
The free members app that provides quick and convenient medical advice and treatments through smartphone or tablet and can be accessed from anywhere in the world.
- Remote GP appointments
- Second medical opinion
- Mental health support
- Registered dietitian consultations
- Lifestyle and nutrition consultations