Health Insurance by The Exeter

Health Insurance

If your client is looking for health insurance, they’ll want the fastest possible diagnosis and the best possible treatment - all at the best possible price.

That’s why we’ve created Health+.

We appreciate that everyone is different. But for all of us, two things in life matter more than anything else – our families and our health. At The Exeter, we’re experts in protecting both.

Visit our campaign site to find out more and watch our launch video.

Why The Exeter ?

When you call The Exeter, you talk to a real person at our UK office - first time, every time.

We offer membership benefits that provide our customers with valuable reassurance in addition to our core cover.

We’re consistently recognised in the industry for our product and service excellence, winning numerous awards.


Health+ puts your client in control by giving them more ways to balance their priorities with their budget, without compromising the quality of their care.

When it comes to your client’s health we never compromise:

The best possible treatment – Unlimited cancer cover included as standard, plus unlimited in-patient & day-patient treatment, out-patient surgery, CT, MRI or PET scans and more. Options to add comprehensive cover for mental health and therapies.

The lowest possible premium – Three hospital lists, a wide range of excesses and a fair, tiered no claims discount provide choices for every budget.

And with a name like Health+ you’d expect our policies to offer more than just exceptional health insurance, and you’d be right.

With HealthWise, our unique range of member benefits, your client will have access to the fastest possible diagnosis - all accessed through a simple, user-friendly app. HealthWise provides specialist support for psychological conditions and physiotherapy, helping them manage their health without needing to pay an excess. HealthWise also gives them a GP on demand, instant prescriptions and 2nd medical opinions. For more information see the Member Benefits page.

If your client has one of our health insurance plans that is no longer offered to new members and would like more information, please contact us using the details below.


Health Cover for Me

Health+ is a quality, modular health insurance product that lets you and your clients get the balance right between their needs and their budget.

Cancer is a worry for many people, so we take it seriously. Every policyholder gets access to the latest cancer drugs and treatments, including all clinically approved drugs even if they are not available on the NHS on the grounds of cost.

Whatever your client’s diagnosis, our cover gives them access to a network of over 350 hospitals, so they’ll always be in the best possible hands.

Key Benefits

  • Unlimited in-patient, day-patient and out-patient surgery treatment.
  • Unlimited cover for cancer – including access to all clinically approved drugs as well as pioneering treatments such as biological and hormone therapy.
  • Mental health support – including cover for in-patient and day-patient treatment of mental health conditions, out-patient specialist consultations and treatment with psychologists, psychotherapists and cognitive behavioural therapists.
  • Discounts for families – they can add their partner or children for a reduced price, making cover more affordable.
  • A wide range of excesses available up to £5,000. Importantly, we won’t deduct the excess your client pays from their benefit limits, helping them get even more from their policy each year.
  • Access to HealthWise - our simple, user-friendly app that provides specialist support without needing to make a claim. With options for psychological conditions and physiotherapy as well as GP on demand, instant prescriptions and 2nd medical opinions.

No Claims Discount

We don’t think anyone should ever be in two minds about claiming, so we take a tiered approach to the No Claims Discount which keeps it fairer for everyone. This means that clients are moved up or down the NCD scale at renewal depending on the value of their claims, and for claims under £300 they won’t move down any levels.

Clients can also protect their NCD or remove it completely (non-switchers only), providing a range of options to suit their needs. Read the Guide to Health Insurance for more details.

For more information, please see our Guide Health Insurance or policy literature below.


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.


Each method of underwriting has benefits that may suit them, choosing the right option will depend on their needs and circumstances.

Also, with The Exeter you can be sure that they pay the right premium for the underwriting option they choose. So, as Full Medical Underwriting asks your client to complete more questions and allows us to fully assess their personal and medical history before offering them cover, this is normally the most cost-effective option.

Full medical underwriting

If your client chooses this option, they will need to complete a full medical declaration, including details of the medical history of all family applicants.

Any pre-existing conditions will be excluded unless we agree to accept them.

Standard moratorium

If they choose to apply via a Standard Moratorium, they won’t need to provide information about their medical history when they join. For the first two years of their 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.

Thinking of switching?

If your client is thinking of switching their cover from another insurer, there are two underwriting options:

Thinking of Switching

Continued Moratorium

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 their 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 in the Underwriting section. 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.

Continued Personal Medical Exclusions

This option is designed to enable your client to carry across the personal medical exclusions from their existing policy, where their 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 their application.

They will also need to 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.

Member Benefits

HealthWise – keeping your clients healthy

As a member of The Exeter, your clients and their families have access to HealthWise, our member benefits service.

HealthWise is designed to help keep them healthy and happy every day. It offers quick and convenient medical advice and treatments that can be accessed from anywhere in the world through our HealthWise app on either a smartphone or tablet.

What’s more, HealthWise can be used without the need to claim on their policy, using HealthWise will never affect your clients premiums or any No Claims Discount.

Member Benefits

To find out more information on HealthWise, visit our Member Benefits page.