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The Exeter | Health Choices for Me

Health Choices for Me

Policy Terms PDF     Hospitals PDF     Key facts PDF



Company Type

Friendly Society

Company Overview

Previously known as Pioneer and Exeter Friendly the two brands have been brought together to form Exeter Family Friendly.

They aim to provide transparent and affordable products, complimented by high quality and personalised service. In 2015 Exeter Family Friendly was rebranded to The Exeter.

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Level of Cover
Date of Birth



The Exeter Overview

The Exeter’s private medical insurance, Health Choices for Me, is a modular plan with Essential Core Cover. There are a range of modules available including: cancer cover, out-patient and manipulative treatment.


Lifestyle discounts and contributory hospice donation of £250.


Full physiotherapy, osteopathy, podiatry and chiropractic cover available.


A Cancer Cover Module covering all stages of cancer treatment and aftercare is available.


Full Medical Underwriting for individuals between the ages of 18 and 79. Fixed Moratorium for individuals up to age 65 and Continued Moratorium up to age 70 years or younger.


In-Patient & Day-Patient Treatment

An in-patient is admitted to hospital, staying in bed overnight or longer for medical reasons. A day-patient is admitted to hospital or day patient unit because they need a period of medically supervised recovery. They do not stay in a bed overnight.

   In-Patient & Day-Patient Core Cover

Hospital Charges


Covered in Full *

Specialist Fees


Covered in Full *

Diagnostic Tests


Covered in Full *



Full cover available with the Cancer Cover Module

* At hospitals on My Hospitals List. Diagnosed cancer is only covered if the optional Cancer Cover Module is selected.



Out-patient Treatment

The Essential cover does include limited out-patient treatment. However, the Out-patient Module, Manipulative Treatment Module and Cancer Cover Module allow you to personalise the plan to suit your requirements.
Outpatient Treatment Cover

Specialist Consultations


Full cover is available with the Outpatient Module option for up to £1,000 or £500 p.a. for consultations.

Diagnostics Tests


Covered in Full. Under the Essential cover. Including CT, MRI and PET Scans at hospitals on My Hospitals List. Full cover is available for up to £1,000 or £500 p.a. with the Out-patient Module.



The Essential cover includes up to 3 sessions of post-operative physiotherapy following in-patient or day-patient surgery. Full cover or £300 per year options are available with the Manipulative Treatment Module.

A summary of all options which can either help to reduce your monthly premium or be included in the policy for an additional premium.
Core Policy Options



A discount for excess is available for £100 or £250 per person per policy year.

GP referred physiotherapy, osteopathy, chiropractic and acupuncture treatments.


The Manipulative Treatment Module includes full cover or a £300 per year option for physiotherapy, osteopathy, podiatry and chiropractic treatment.

Psychiatric Treatment


Not Provided

Dental & Optical


Not Provided

A summary of the ancillary benefits which are included in the policy as standard, this list also includes any benefits we have come to expect which are not included.
Additional Benefits

NHS Cash Benefits


£250 per night

Private Ambulance


Covered in Full
When medically essential. In a land ambulance to/from/between hospitals in connection with in-patient & day-patient treatment.

Home Nursing


Covered in Full
When medically required and following in/day-patient treatment.

Parental Accommodation


Covered in Full for children up to 18 having treatment under the policy.

GP Helpline


Talk to a GP, 24 hours a day, 7 days a week.

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

Got any questions?
Let us help you find a private medical insurance plan that suits your needs by either completing a quote online or calling us to speak with our PMI insurance experts.

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Professional, quick and straightforward service from Victoria for the second time in a raw.
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Sam Carr was very knowledgable, efficient, called when he said he would and kept me updated through out the process
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Was extremely impressed with the service we received from Michael.He was so helpful with good advice and saved us money.The policy was set up and running with in a couple of days.would definitely recommend to friends.Thank you.
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Ceiron King did an amazing job setting up my insurance. He was meticulous to all details and made sure everything was individually tailor made to suit my circumstances. When I had queries he was able to take on board any issues and find solutions quickly. Pleasant, easy to talk to, engaging, personable chap who effortlessly made me feel that I'd found the right firm. Highly recommended.