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.
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.