The Exeter Review · Updated 15 September 2026

The Exeter Health Insurance Review: What Health+ Actually Delivers

Quick verdict: The Exeter Health+ is worth comparing if you value a transparent no claims discount, a choice between Guided and named hospital lists, and published underwriting guidance. Core cover includes eligible inpatient and day-patient treatment, cancer treatment and CT, MRI and PET scans, but routine outpatient consultations and tests need an add-on.

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Written by Patrick Baxter, Founder & Health Insurance Broker
Fact-checked by Sadie Sansford, Business Development Director
Updated 15 September 2026
14 min read
151,503
2025 Members, All Products
3
Named Hospital Lists
75%
Max NCD Discount
Mutual
Friendly Society
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Graduated NCD

Paid claims totalling £0.01 to £300 in a member’s review period hold the NCD level. Above that, the step down depends on the total paid, up to three levels at renewal.

Friendly Society Model

The Exeter is a mutual. Members aged over 18 can vote at its AGM and have a say in how the society is run.

Published Underwriting Guidance

Its underwriting guide explains how specified medical histories may be assessed. A separate “Do Not Disclose” guide sets conditional rules for switch applications.

How The Exeter Compares

Side-by-side against Bupa, AXA, Aviva, Vitality and WPA.

About Core Cover Customise NCD Costs Underwriting Healthwise Claims Exclusions Comparison Best For FAQs Latest updates

About The Exeter

Health+ is the product. It includes eligible inpatient and day-patient treatment. You choose either a named hospital list, with recognised specialists, or a guided route where The Exeter offers a shortlist following an open GP referral. Guided can reduce the premium, but the saving needs to be checked on your quote.

The Exeter is a friendly society incorporated under the Friendly Societies Act 1992 (Register No. 91F). Its separate PRA/FCA regulatory register number is 205309. It has members rather than shareholders, and adult members can vote at the AGM and have a say in how the society is run.

We place The Exeter health insurance alongside Bupa, AXA, Aviva, Vitality and WPA. There is one gap worth understanding: routine outpatient consultations and tests need an add-on. CT, MRI and PET scans are included in core cover, as are specialist consultations for diagnosed cancer. A core-only plan is not the same as having no private diagnostics at all.

The Exeter has offered health insurance since 1927. Based in Devon, it reported 151,503 members for 2025 across health, life insurance and income protection. That is a society-wide figure, not a count of Health+ policyholders.

Customer feedback can be checked on The Exeter’s Trustpilot profile. It covers the company rather than Health+ alone, so compare the product terms as well as reviews when assessing health insurance providers.

What Health+ Covers as Standard

Every Health+ policy — whether traditional or guided — starts with the same benefits:

  • Inpatient and day-patient treatment: eligible hospital and specialist costs, subject to your treatment option, the fee schedule and any excess
  • Cancer treatment: eligible treatment at all stages after diagnosis, including palliative care. The Exeter places no specific time or financial cap on cancer treatment, but its clinical-eligibility and general policy terms still apply
  • Out-patient surgery carried out by a specialist
  • CT, MRI and PET scans: included in core cover, including eligible outpatient scans
  • Post-operative physiotherapy: up to three outpatient sessions per procedure after surgery, with a specialist referral
  • NHS cash benefit: the March 2026 policy document provides £250 per inpatient night or £150 per day-patient visit for eligible free NHS treatment, with a combined maximum of £10,000 per policy year. Check your certificate and applicable limits before claiming
  • Home nursing: medically necessary skilled nursing immediately after inpatient or day-patient care, recommended and supervised by your specialist
  • Private ambulance when medically needed
  • Parental accommodation if a child under 18 on the policy needs hospital treatment

The cancer cover deserves attention. It includes specialist consultations and monitoring after a cancer diagnosis. Drugs must meet the policy’s eligibility rules, including NICE approval for clinical effectiveness. Reconstructive surgery following eligible cancer treatment is included. Check authorisation and fee limits rather than reading “unlimited” as a promise to pay any treatment bill.

Three sessions of post-operative physiotherapy may not cover the rehabilitation you need. The therapies option can add £500, £1,000 or unlimited eligible treatment costs each policy year. Those are financial limits, not numbers of sessions. Check the referral and treatment conditions before relying on it.

The gap is routine outpatient consultations and tests such as blood work, ECGs and X-rays, which need the outpatient cover add-on. Core CT, MRI and PET cover does not necessarily pay for the consultation leading to a scan. Without the add-on, you may use the NHS or self-pay for those initial appointments and routine tests. For some clients that is an acceptable trade-off; for others, it leaves out the part of private care they most wanted.

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How to Customise Your Health+ Plan

The main benefit add-ons are outpatient, mental health and therapies. You can also adjust hospital access, diagnostics and NCD protection. Compare the combined cost and benefit limits rather than treating each option in isolation.

Outpatient cover

This is an important add-on if you want private consultations and routine tests before diagnosis. Complex scans (MRI, CT and PET) are already in core. You can set outpatient limits at £500, £1,000 or unlimited. With £500 or £1,000, consultations and routine diagnostics share the limit unless you select unlimited outpatient diagnostics. That upgrade leaves the cash limit for consultations, while eligible diagnostic tests are covered separately.

Mental health cover

HealthWise offers up to six video mental-health consultations separately from the insurance. The mental health add-on covers eligible psychiatric treatment: unlimited outpatient specialist consultations and diagnostic tests, plus up to 28 days of inpatient and day-patient treatment combined per member per policy year. Availability and any personal exclusions depend on underwriting. Do not mistake the app allowance for the insured benefit.

Therapies cover

Adds GP- or specialist-referred treatment from physiotherapists, chiropractors, osteopaths, acupuncturists, podiatrists, speech therapists and pain clinics. Dietitian consultations are limited to two per member per policy year within this benefit. Choose £500, £1,000 or unlimited eligible treatment costs. This is the option to compare when three core post-operative physio sessions would not be enough.

Health+ Traditional vs Health+ Guided — which to pick

Traditional offers three named lists: Essential, Standard and Extended. All three include London hospitals; Essential is not simply a list of your nearest facilities. Check the particular hospital and recognised specialist you want. Under the hospital-list route, specialist fees above The Exeter’s fee schedule can leave a shortfall.

How does The Exeter’s specialist fee schedule work?

On the named hospital-list route, The Exeter recognises specialists subject to its fee schedule. If your chosen specialist charges above that schedule, you may have to pay the difference yourself. Guided works differently: The Exeter sources the shortlist and eligible specialist fees are paid in full through that route, subject to your selected benefits and excess.

With Guided, your GP makes an open referral and The Exeter offers up to three specialists for an eligible claim. You choose from that shortlist. Eligible specialist fees are paid in full through that route, subject to your benefits and excess. Compare the actual premium against a named hospital list; there is no single saving percentage that applies to every quote.

Our view: compare Guided when you are comfortable choosing from an insurer-approved shortlist. A named list may suit you better when a particular hospital or consultant matters. Check their inclusion before buying, including when the hospital is in London.

The No Claims Discount Advantage

How does The Exeter no claims discount work? Where NCD applies, each member has their own level, with a maximum discount of 75%. £0 paid in the review period moves the level up one; £0.01 to £300 holds it; higher paid totals move it down by one to three levels. The payment date and NCD review period matter:

  • £0 paid: move up one level, up to the maximum
  • £0.01 to £300 paid: remain at the current level
  • £300.01 to £1,000 paid: move down one level
  • £1,000.01 to £2,000 paid: move down two levels
  • £2,000.01 or more paid: move down three levels
How Paid Claims Affect Your NCD
£0.01 £300 £2,000 and above 0 levels lost Level held 1–2 levels lost Smaller drop 3 levels lost Maximum drop TOTAL PAID IN THE NCD REVIEW PERIOD No paid claims: one level up, subject to the maximum. Scale not proportional.

The first NCD review covers months 1 to 10. Later reviews combine the last two months of the previous policy year with the first ten months of the current year. The payment date matters, not the date you received treatment. NHS cash benefits, hospice donations and claims below the excess do not count towards the assessment.

One member’s claim does not change the NCD level of other members. It can still affect the total family premium through that member’s price. Age, treatment costs and other pricing factors can also increase renewal premiums even if the NCD is unchanged. A policy without NCD uses The Exeter’s community-rated structure; your certificate identifies which applies.

Protected NCD: what it does and does not protect

Protected NCD is an optional benefit, shown on your certificate. If paid claims would normally lower a member’s level, the protection holds that level instead. Once used, protection is lost and removed for that member at renewal. It does not freeze the premium or protect other benefit limits.

Adding or restoring protection at renewal requires a claim-free previous NCD review period. Switching eligibility is different: the current application form requires all applicants to have made no claims in the previous five years to select protection when switching. Check the applicable terms rather than assuming one claim-free year is always enough.

Source: Health+ policy document, pages 16–17 and Managing your policy; current application form.

Broker’s View — Why This Matters

A £250 paid claim holds your discount level; a claim-free review could have moved it up. That is why “no level lost” does not mean the claim has no renewal effect. Do not delay necessary treatment to try to manage the review date. Our guide to saving money on health insurance covers other ways to balance benefits and premiums.

How Much Does The Exeter Health Insurance Cost?

The Exeter’s calculator illustrated £48 a month for Guided or £52 for Traditional at age 40, using the switching assumptions below.

The Exeter Health+: monthly switching examples — checked 15 September 2026
AgeGuidedper monthTraditionalStandard hospital list
per month
30£37£41
40£48£52
50£62£68
60£89£98
70£140£154

Pricing examples sourced and compiled by My Health Protected using The Exeter’s official premium calculator. Checked 15 September 2026.

Assumptions: postcode SW15 2RP; non-smoker; £500 excess; £500 annual outpatient allowance; no optional unlimited outpatient diagnostics, mental health or therapies cover. The calculator assumes continued moratorium underwriting for switching customers, with the no claims discount starting at level 15. Premiums are rounded to the nearest pound.

Illustrations only; actual premiums and acceptance depend on your application. These are not UK averages or guaranteed quotes.

Fuller cover: with unlimited outpatient cover including diagnostics, mental health cover and unlimited therapies, the age-40 example becomes £77/month Guided or £85/month Traditional (Standard hospital list), with all other assumptions unchanged.

Your premium depends on age, location, underwriting, hospital access, excess and the benefits selected. Compare current quotes on the same basis: for example, the same excess, outpatient allowance, diagnostics upgrade, therapies and mental health benefits. Without that, a cheaper quote may simply be a smaller policy.

Guided is one way to reduce cost without removing the core benefits, but it changes how specialists are chosen. Whether Health+ undercuts a rival on your quote depends on the options and underwriting. Compare like for like rather than relying on a headline saving.

Excess choices are £0, £100, £250, £500, £1,000, £3,000 and £5,000, applied per member per policy year. A higher excess can lower the premium but must remain affordable at claim time. See our guide to the average cost of health insurance for wider context; your actual quote will vary.

How Underwriting Works

The Exeter offers several underwriting options depending on whether you’re new to private health insurance or switching from an existing health insurance provider.

New to health insurance

Two routes. With moratorium underwriting, conditions involving symptoms, medication, treatment or advice in the five years before cover starts are initially excluded. An eligible condition can regain cover after two continuous years without those things after the relevant start date, subject to the terms. The pre-policy look-back and post-start trouble-free period are separate. The Exeter can check your medical history when you claim.

With full medical underwriting, you answer medical-history questions before cover begins, and the insurer confirms any exclusions. The Exeter publishes an underwriting guide explaining possible outcomes for specified conditions. It is useful when comparing private medical insurance providers, but the decision on your application and certificate takes precedence over a general example.

Switching from another insurer

Switching private health insurance routes include continued moratorium and continued personal medical exclusions, subject to acceptance. Additional exclusions can apply. Continued moratorium uses the original moratorium start date with The Exeter’s wording, so continuation does not guarantee identical benefits or exclusions. Do not cancel existing cover until the new terms and start date are confirmed.

The Do Not Disclose guide applies to specified conditions and criteria on switch applications. It is not a blanket instruction to leave out medical history. Follow the current application questions, disclose relevant information outside the guide’s exceptions, and ask for clarification where unsure.

Broker’s View — Why Precision Matters

Exclusion wording can matter more than a small premium difference. The Exeter’s guide gives simple back pain as an example: a single resolved episode may be accepted without exclusion only when its criteria are met. Otherwise it describes an exclusion for the affected spinal area, such as lumbar/sacral spine. That is not a promise to exclude just one disc. Compare the exclusions actually offered before choosing.

Not Sure About Underwriting?

We’ll walk you through the options and check what transfers from your current policy.

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The HealthWise App

Health+ members have access to HealthWise alongside their insurance. The current adult service allowances include:

Unlimited remote GP

Book video consultations with UK-registered GPs at a time that suits you, no annual cap on sessions.

Second medical opinion

Up to two consultations per year if you want another view on a diagnosis or treatment plan.

Mental health support

Up to six video counselling sessions per year, accessible without a GP referral.

Physiotherapy

Up to six video physiotherapy consultations per year for assessment, diagnosis and treatment of musculoskeletal issues.

Dietitian, lifestyle & nutrition

Up to six consultations each per year, covering nutrition advice, lifestyle coaching and dietary planning.

Annual health check

A yearly Health MOT for the primary policyholder, with a home blood test and a personalised report. Other family members do not receive this annual allowance.

Family access needs a separate check. Insured partners and eligible dependants have their own service allowances; non-insured family members added through My Family share the primary account holder’s allowance. Under-16s have more restricted access. The app’s family rules are not the same as the rules for adding children to Health+ insurance.

Using HealthWise does not affect the premium or NCD, according to The Exeter’s service leaflet. That makes the app useful without using your insured outpatient allowance, but it is not a substitute for checking what the main policy will fund.

HealthWise is non-contractual and can be varied or withdrawn without notice, not just at renewal. Its video physio and mental-health allowances are separate from insured treatment. Other insurers’ direct-access routes also have limits and eligibility rules; none should be described as a route to unlimited treatment simply because a GP referral is not needed.

How to Claim

Start with a GP referral, then contact The Exeter for authorisation before any private consultation, test or treatment. With Guided, request an open referral and choose from the insurer’s shortlist of up to three specialists. With a hospital list, confirm your chosen hospital, specialist and fees before booking. The Exeter normally pays providers directly, but you remain responsible for the excess, any fee shortfall and costs outside your benefits. For the wider process, see our health insurance claims guide.

For HealthWise app benefits like remote GP, second opinions and counselling, you book directly through the app without a separate claims process.

What Health+ Doesn’t Cover

The standard exclusions are similar to most UK insurers:

  • Chronic conditions: routine ongoing management is generally excluded, but the policy allows certain initial stabilisation and acute-treatment exceptions; cancer has separate terms
  • Pre-existing conditions — unless your underwriting allows it
  • Routine pregnancy, childbirth and fertility treatment: exclusions and any specified exceptions are set out in the policy
  • Cosmetic surgery — unless restorative after illness, injury or cancer treatment
  • Insured mental-health treatment: requires the optional benefit. HealthWise support is a separate service, not core psychiatric insurance
  • Routine dental, optical and hearing costs: no routine add-on is offered with Health+. Specified hospital dental procedures have separate exceptions
  • Weight loss surgery and pharmaceutical weight-loss treatments
  • Major organ transplants: specified exceptions include skin and corneal grafts and non-experimental bone marrow or stem-cell treatment for cancer
  • Learning and developmental disorders

The lack of a routine dental or optical option is a gap if those everyday costs matter to you. Budget for them separately or compare a separate cash plan or insurance policy. Cover for specified dental surgery in hospital is a different benefit from routine check-ups.

The main applicant and partner must be aged 18 to 79 inclusive on the policy start date, according to the current application form. Applying before an 80th birthday does not solve a start-date eligibility problem. Existing members have renewal terms rather than this new-applicant test; check the renewal invitation and current terms. Our health insurance over 65 guide explains the wider issues older applicants should compare.

All personal exclusions will be listed in your policy documents. Always read them before you buy.

Our View

Keep the distinction between major medical bills and everyday health costs clear. Health+ may fit the first without covering routine dental or optical bills. Compare the cost of separate cover against the benefits you would actually use, rather than assuming the absence of an add-on makes the medical policy cheaper.

How Health+ Differs from Other Leading Plans

FeatureThe ExeterBupaAXAAvivaVitalityWPA
Product comparedHealth+By You ComprehensiveAXA Health PlanHealthier SolutionsPersonal HealthcareComplete Health
Outpatient consultations and diagnosisRoutine consultations/tests optional; CT, MRI and PET scans in coreIncluded, subject to selected outpatient allowance; scans covered separatelySelect Outpatient diagnosis and careConsultations and diagnostics in core; options to reduce coverBroader outpatient cover optional; specific core benefits remainSome outpatient benefits in core; extra consultations and diagnostics optional
Cancer treatmentEligible treatment after diagnosis in coreFull cancer cover or no cancer cover selectedSelect Cancer careEligible cancer cover in coreEligible cancer treatment in coreCancer Care optional extra; core Fast Track diagnosis is not treatment cover
Mental healthInsured treatment optional: unlimited outpatient and 28 days inpatient/day-patient; separate HealthWise supportEligible outpatient treatment subject to chosen allowance; inpatient terms depend on policySelect Mental health care; GP referral for talking therapiesGP-referred outpatient treatment in core; optional inpatient/day-patient upgradeUp to eight core Talking Therapy sessions; additional mental-health cover optionalBrief structured counselling support; wider Mental Health Treatment optional
Physiotherapy routeHealthWise: up to six video sessions; insured therapies need GP/specialist referralDirect Access assessment for eligible MSK symptoms; onward treatment depends on coverOnline muscles, bones and joints support without GP referral for over-18s with Outpatient diagnosis and careSpecialist-referred core therapies; GP-referred treatment with the therapies optionUp to six core Priority Physio sessions; pathway rules applyWith the Therapy optional extra, Fast Track Physiotherapy can be accessed without a GP referral

Provider comparison checked against official insurer material on 14 September 2026. Pricing examples in the cost section were added on 15 September 2026. This is not a comparison of identical policies: underwriting, selected benefits, annual limits and service eligibility still matter. Bupa Treatment and Care is different from the Comprehensive product shown here; other AXA products also have different terms.

Sources: Health+ policy wording, Bupa Comprehensive, AXA Health Plan, Aviva Healthier Solutions, Vitality core cover and WPA Complete Health.

The point worth comparing: Health+ publishes how the total paid in each member’s NCD review period changes their discount, with a graduated step down and optional protection. Compare that structure alongside the actual premium and exclusions. A larger headline discount does not, by itself, mean a lower price or a better renewal.

Where it falls short: routine consultations and tests need an outpatient add-on, and routine dental or optical cover is not offered. For those everyday costs, compare a separate policy or options from providers such as Vitality and Bupa, checking what is actually included rather than treating all dental benefits as equivalent.

Is The Exeter Health Insurance Good? Who It Suits and Who Should Look Elsewhere

Short answer: The Exeter Health+ is a good option to compare if you value its graduated no claims discount, choice of Guided or named hospital-list access and published underwriting guidance. It may be less suitable if routine dental or optical cover, a rewards programme or joining from age 80 is important to you.

The Exeter Is a Strong Fit If…

Health+ is worth comparing when you value a clearly documented claims-related discount and a choice of treatment routes. The graduated NCD matters, but it is one part of the renewal price, not a promise that claiming will leave your premium unchanged.

For people with conditions in their history, the published underwriting guide can help identify the questions to ask. Compare the exclusions offered in writing. Do not assume Health+ will give a narrower exclusion than another insurer before both have assessed the application.

For couples and families, each member’s NCD is assessed separately. One person’s claim does not change the others’ discount levels, although the total family premium may still rise.

Consider Alternatives If…

You want a rewards programme: Vitality includes one. For direct clinical access, compare the actual route: Bupa Direct Access, the current AXA Health Plan’s online MSK support, Vitality Priority Physio and WPA’s Fast Track Physiotherapy with its Therapy option. These are not identical to HealthWise video appointments, and access to further treatment depends on the chosen policy and pathway rules.

You want dental and optical bundled in: you’ll need to look at other leading UK insurers. It’s not offered with Health+.

You will be 80 or older when new cover starts: the main-applicant or partner eligibility rule rules out a new Health+ policy. Compare current joining and underwriting requirements with alternatives such as Aviva and WPA, rather than assuming acceptance at a particular age. Get any exclusions confirmed before committing. Our private health insurance over 50 guide explains the questions to ask.

Ready to Compare?

We’ll show you how Health+ stacks up for your situation. Free advice, no pressure.

0203 859 1822

Latest updates

Research ·

The Exeter reports higher search interest in private medical insurance

The Exeter reports a 150% rise in relative Google Trends interest in private medical insurance. Here is what the research does and does not show.

Common Questions

Health+ is worth comparing for its graduated no claims discount, treatment-route choices and published underwriting guidance. Routine outpatient consultations and tests need optional cover, although CT, MRI and PET scans are core. The fit depends on the benefits, exclusions and premium actually offered.

The Exeter’s calculator illustrated £48 a month for Guided or £52 for Traditional at age 40, checked on 15 September 2026. These are switching illustrations for postcode SW15 2RP, not UK averages or guaranteed quotes.

Both use non-smoker status, a £500 excess, a £500 annual outpatient allowance, continued moratorium underwriting and starting NCD level 15, with no optional unlimited diagnostics, mental health or therapies cover. Traditional uses the Standard hospital list. Figures are rounded to the nearest pound; actual premiums and acceptance depend on your application. See the age-by-age pricing examples, full assumptions and official source.

With a named hospital list, you can choose a recognised specialist and an eligible hospital, but fee-schedule limits can leave a shortfall. Guided requires an open GP referral and gives a choice of up to three approved specialists for an eligible claim. Compare current quotes rather than assuming a fixed percentage saving.

It depends on the underwriting agreed. Moratorium looks back five years before cover starts; an eligible condition can regain cover after two continuous years without symptoms, medication, treatment or advice after the relevant start date, subject to terms. Full medical underwriting assesses history before cover begins and records any exclusions.

Continued moratorium and continued personal medical exclusions are available subject to acceptance, and additional exclusions can apply. The Do Not Disclose guide only covers specified conditions meeting its criteria. Follow the application questions carefully and confirm the new terms before cancelling existing cover.

The current application form requires the main applicant and partner to be aged 18 to 79 inclusive at policy start. Applying before an 80th birthday is not enough if cover will start afterwards. Existing members should check their renewal terms; the new-applicant rule is not a lifetime renewal guarantee.

Health+ does not offer a routine dental or optical add-on. You can budget for those costs separately or compare separate cover. Specified hospital dental procedures and dental work connected with authorised cancer treatment have different policy terms; they should not be confused with routine check-ups.

Each member has a separate NCD, where applicable, with a maximum discount of 75%. Total claims paid in the NCD review period determine the change: £0 moves up one level; £0.01 to £300 holds; £300.01 to £1,000 drops one; £1,000.01 to £2,000 drops two; £2,000.01 or more drops three, subject to the scale limits. Optional protection has separate eligibility and loss-of-protection rules; it does not freeze the premium.

Still have questions? Talk to an adviser — it’s free.

How to Get Started

We compare Health+ against the other providers available to us, and can look at income protection and life cover too if you need the full picture. As an independent insurance broker, we work for you, not the insurer. One call, no cost, no pressure.

0203 859 1822

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Patrick Baxter, Managing Director and Founder of My Health Protected
About the Author

Patrick Baxter

Patrick Baxter is the founder of My Health Protected, an FCA-authorised independent health insurance broker based in London. He has helped hundreds of individuals, families and businesses compare UK health insurance providers including Bupa, AXA, Aviva, Vitality, WPA and The Exeter. This review is based on The Exeter’s current policy documents and our experience placing Health+ plans.

Browse all health insurance guides or get in touch for free, independent advice. LinkedIn →

Disclaimer

This article is for information only. It does not constitute financial advice. Always check the latest policy documents before buying. For personalised advice, contact us directly.

About Exeter Friendly Society Limited

The Exeter is a trading name of Exeter Friendly Society Limited. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register number 205309. Incorporated under the Friendly Societies Act 1992. Registered office: Lakeside House, Emperor Way, Exeter, England EX1 3FD. Cover is available in England, Scotland, Wales and Northern Ireland across the United Kingdom.

Regulatory Information

My Health Protected is registered in England and Wales and is authorised and regulated by the Financial Conduct Authority under FCA number: 785132. Our registered office is located at 79a High Street, Wimbledon, London, SW19 5EG.

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