the exeter

The Exeter Health Insurance

Exeter Health+



Company Type

Friendly Society

Company Overview

Previously known as Exeter Family Friendly – and, as of 2015, simply The Exeter – is an award-winning provider of a number of protection products, from Income Protection to Private Medical Insurance. Exeter Family Friendly was rebranded following the merger of the Pioneer and the Exeter Family brands.

The Exeter is a mutual, so is entirely owned by its members and has no obligations to shareholders.

In 2018, The Exeter rebranded their Health Insurance offering to ‘The Exeter Health+‘, providing simple and comprehensive cover. The Exeter’s core cover offers unlimited inpatient and day-patient cover while policyholders can choose from several different levels of outpatient cover to match their policy’s cover to their budget.


Exeter Health Insurance key facts pdf.

Exeter Health Insurance policy terms pdf.

Exeter Health Insurance - Hospital list pdf.

The Exeter Health+ Overview

The Exeter’s Health+ policy is a comprehensive health insurance product which offers the choice of both full inpatient, day-patient and outpatient cover.

  • The Exeter allows you to choose the level of outpatient cover you want to add to your policy. This includes full and unlimited cover or cover that’s limited to £1,000 or £500 worth of treatments per policy year.

The Exeter gives policyholders 3 hospital lists to choose from:

  • Essential
    Covers private patient units within NHS hospitals and facilities from the largest hospital groups
  • Standard
    Covers all hospitals on the Essential list as well as independent hospitals and clinics
  • Extended
    Covers all hospitals on the Essential and Standard lists as well as a wide range of London hospitals

Enjoy 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Health Insurance policy.

Simply fill in the form below to apply your two months free discount or call us on 02074425880 and state the code VC2MF.

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The Exeter Health Insurance Policy Conditions

Key Policy Details

Underwriting Options

  • Full Medical Underwriting
  • Fixed Moratorium
  • Rolling Moratorium
  • Continued Personal Medical Exclusions


£0 / £100 / £250 / £500 / £1000 / £3,000 / £5,000

No Claims Discount

The Exeter’s No Claims Discount works on a 15 tiered scale, reaching a maximum discount of 75%

Minimum Entry Age

18 years old

Inclusive Core Cover

Inpatient & Day-Patient Treatment

Unlimited cover for:

  • Specialist fees
  • Diagnostic tests & pre-admission tests
  • Hospital charges

Cancer Cover

Unlimited (see Cancer Cover for more details)

CT, MRI & PET Scans

Unlimited cover for scans, including professional fees

Outpatient Cover

Outpatient Surgery 


Receive unlimited cover for any outpatient surgery

Post-Op Physiotherapy


Up to 3 sessions of post-operative physiotherapy as an outpatient following surgery

Outpatient Cover


Choose your level of cover (unlimited / £1,000 per year / £500 per year / none) for:

  • Consultation fees
  • Diagnostic tests
  • ECGs
  • Pathology tests



Choose your level of cover (unlimited / £1,000 per year / £500 per year / none) for treatments performed by a:

  • Physiotherapist
  • Chiropractor
  • Osteopath
  • Acupuncturist
  • Podiatrist
  • Speech therapist
  • Pain clinic
  • Dietician (limited to 2 consultations per year)
Optional Extras and Additional Benefits

Private Ambulance


Unlimited cover for medically essential transportation between or from private hospitals

Home Nursing


Unlimited cover for home nursing following inpatient / day-patient treatment

Parental Accommodation


Unlimited cover for a parent to stay with a child under the age of 18 while they are being treated and covered by the policy

NHS Cash Benefit


Members receive £150 per night for up to 3 nights if they have inpatient treatment under the NHS that would be covered by the policy

Hospice Donation


£250 will be donated to the hospice of your choice if you are admitted for care

Mental Health Cover


28 days of inpatient/ day-patient mental health treatments as well as unlimited cover for specialist fees and diagnostic tests

The majority of The Exeter’s additional benefits for its Health+ Insurance are found within its HealthWise program, which is accessed via smartphone app. This offers:

  • GP on demand and prescription service (up to 4 consultations each year)
    Book phone or video services with UK GPs without leaving your home for guidance, recommendations for further treatment and potentially prescriptions if required.
  • Second medical opinion service (up to 2 consultations each year)
    Provides access to a second medical opinion where your diagnosis can be assessed and analysed by a second expert pair of eyes. It could provide a different treatment plan, or just valuable reassurance.
  • Physiotherapy (up to 6 consultations each year)
    Offers assessment, diagnosis and treatment of musculoskeletal conditions through a network of physiotherapists. You can get the help you need via video consultation.
  • Mental health support (up to 6 consultations each year)
    Gives you access to fully trained specialists who can assess and treat a range of mental health conditions including anxiety, depression and substance abuse, as well as offering emotional and behavioural support. The service is provided by video consultation with therapists via the app.

Drewberry Reviews Health Insurance from The Exeter

The Exeter Health+ provides extensive cover for cancer treatments as standard, covering in full a range of cancer treatments and therapies.

Key Comparison Points

  • Instead of offering several different policies, The Exeter offers different levels of cover for each of their optional covers to give policyholders more control over which benefits and cover options. The most useful of these is the different levels of outpatient cover offered, which allows people to benefit from valuable outpatient treatment without paying high premiums for full cover.
  • The Exeter’s optional therapy cover offers cover for an extensive list of therapies that are typically difficult to receive under the NHS. This allows policyholders to access these important therapies that can transform their recovery process after certain treatments.
  • Even without adding outpatient cover to your policy, The Exeter’s Health+ policy automatically includes some level of outpatient cover to ensure that you get the important care that you need, such as outpatient surgeries and post-op therapy.

Additional Benefits & Cancer Cover

Optional Cancer Cover

Full cover for:

  • Hospital fees
  • Diagnostic tests, scans and consultations
  • Surgery
  • Drug therapy
  • Radio therapy
  • Palliative care
  • Monitoring
  • Stem cell or bone marrow treatment
  • Hormone therapy

Cancer cover from The Exeter will also offer a £250 donation to a hospice if you are admitted for care and full cover for your hospital fees while you await admission, and a NHS cash benefit of £150 per night for a maximum of 30 nights.

The Exeter Membership Benefits

With each policy, The Exeter provide access to their HealthWise self-care app. This app puts you in touch with a range of professionals and services to better help you mange your health at home.

  • Digital GP Appointments
    Book phone or video GP consultations using The Exeter’s app if you need clinical advice, a prescription, or a recommendation for further treatment.
  • Second Medical Opinion
    Get a second medical opinion from a medical expert to assess a diagnosis. Receive up to 2 assessments per year.
  • Physiotherapy and CBT
    Claim up to 6 sessions of physiotherapy and 6 sessions of counselling / cognitive behavioural therapy per year via video consultation.

The Exeter Health Insurance: Questions and Answers

At Drewberry, we have made it our missions to know all of the ins and outs of these policies, putting us in the best position to help you find the right policy.

Below, we have put together some of the top FAQs for The Exeter’s Health+ policy and given our answers. If you need our help finding the best policy or would just like to know more, contact us today on 01273646484.

Q. If I claim on my policy, will my no claims discount be reset to the first tier?

A. If you have spent some time climbing the tiers of The Exeter’s no-claims-discount system, you don’t have to worry that a single claim will bring your bonus right back down to zero.

The maximum number of levels that your discount will be reduced by is 3 and the decrease that your discount takes is relative to the size of the claim made. This means that if your total claims for the year total less than £300, you can stay at the same level.

Q. What exclusions can I expect will be applied to my policy?

A. The Exeter Health+ policies will not cover pre-existing conditions or conditions that you experienced symptoms for prior to taking out your policy. As with all Health Insurance policies, you will also not be covered for chronic conditions; however, The Exeter may be willing to cover the cost of initial investigations and tests leading up to your diagnosis providing your policy includes the appropriate optional covers.

Need Expert Health Insurance Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2872 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
 Nadeem Farid Head of Employee Benefits at Drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02074425880 or email

Nadeem Farid
Head of Employee Benefits at Drewberry

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
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Frequently Asked Private Medical Insurance Questions
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Senator House
85 Queen Victoria Street
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Telecom House
125-135 Preston Road
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Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.
Finalist - Moneyfacts AwardsFinalist - Cover Excellence AwardsHighly Commended - Protection Review Awards
Proud member of AMII (Association of Medical Insurers & Intermediaries)Proud member of Money Advice ServiceProud member of UnbiasedProud member of BIBA (British Insurance Brokers' Association)

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.

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