Health Insurance

Health Insurance

There’s nothing more important in life than health.

By choosing private medical insurance, your clients are choosing not to compromise on the speed, quality or comfort of their healthcare.

At The Exeter, we know high quality treatment and personal service are important when it comes to health. That’s why we’ve developed three innovative plans, so you can choose market-leading cover that suits the needs of every client.

Why The Exeter ?

Our plans are designed to deliver - we always ensure that our customers are not penalised for using their policies.

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.

Overview


From insurer to insurer, most private medical plans are very similar. But, at The Exeter, we’re a bit different. There are some core principles, which separate us from our competition, right across our range of plans:

  • Firstly, when you recommend The Exeter your client won’t ever be penalised for making a claim. None of our plans include a no claims discount which means that they can use their policy without the fear that their premiums will increase.
  • Secondly, we don’t overload our plans with time or financial limits that can make our cover and your job confusing. We never want to leave your customers high and dry half way through a claim.
  • Finally, remember as a mutual, our purpose is different from most other insurers. Success for us is a paid claim, a happy member and an even happier adviser. We paid 99% of private medical insurance claims that we received in 2014.

Health Cover for Me

Health Cover for Me

Health Cover for Me is comprehensive cover with one simple theme – as long as specialist fees are within our Fee Schedule there are no financial or time limits for you or your clients to worry about.

The result is a plan that inspires confidence and delivers results time after time – confidence from knowing that your clients are never going to be left high and dry or at the end of a benefit limit halfway through a claim.

Health Cover for Me is designed for those who want quality cover and complete belief that they have comprehensive access to private medical treatment.

Key Benefits

  • Unlimited truly means unlimited
    Health Cover for Me offers clarity, simplicity and confidence in the knowledge that if a diagnosis, consultation or treatment is covered by the plan, there are no financial or time limits that will stop a claim from being paid - from beginning to end.
  • Designed to be used
    We don’t offer no claims discounts, so with Health Cover for Me your clients will never be penalised for making a claim. We think that's how quality, comprehensive private medical insurance should be.
  • Cancer Cover
    We know that for many of your clients, having access to quality cancer cover and not having to rely on the NHS for cancer diagnosis and treatment is one of the key drivers in buying private medical insurance - that's where Health Cover for Me delivers more cover and yet more confidence.
    Health Cover for Me not only gives access to quality private medical facilities, but also to drugs and therapies that are proven to be effective, but have been declined on the NHS on the grounds of cost.
  • Manipulative treatment
    Health Cover for Me includes costs of physiotherapy, osteopathy, podiatry and chiropractic treatment as an out-patient.

For more information, please see our Guide to PMI or policy literature below.


Health Choices for Me

Health Choices for Me

Health Choices for Me is simple modular cover, which means you can build the plan that is right for each client.

Whilst other modular plans available in the market are complex in structure, giving you numerous decisions and options, with Health Choices for Me we’ve made the process easy.

However, just because Health Choices for Me is simple, it doesn’t mean your clients have to compromise on quality of cover.

Key Benefits

  • Just three choices to make
    With some modular plans, you are asked to make decisions that can lead to hundreds of different combinations of cover - but Health Choices for Me is a different story.
    You and your clients only need to decide on three things - how much cover for out-patient and manipulative treatment (if any at all) and whether to include full cover for cancer or exclude it from your policy altogether.
  • No NCD - no penalty for claiming
    Health Choices for Me, like all of our plans, doesn't penalise policyholders for making an indvidual claim - it is designed to deliver. That’s more reassuring than a policy which gives you an incentive not to claim - after all, what's the point in having cover if you can't use it.
  • Unlimited cancer cover
    Some people are happy to rely on the NHS for cancer cover, whilst for others it is one the most important aspects of private medical insurance. With Health Choices for Me, your clients can have it either way with the option to include or exclude unlimited cover for cancer from their policy.

For more information, please see our Guide to PMI or policy literature below.


Health Essentials for Me

Health Essentials for Me

Health Essentials for Me is a fresh approach to private medical insurance, a plan which is focused on the cost of cover for treatment.

The concept is simple - if your client is happy to cover the smaller bills for consultations and to reach a diagnosis, but wants reassurance that their insurance will cover big, ‘hard to budget for’ medical bills, Health Essentials for Me might be the plan they need.

As with all our plans, with Health Essentials for Me, premiums are never increased when your clients make an individual claim – we think insurance should be designed to deliver when they need it most.

Key Benefits

  • Covers the big things, with smaller premiums
    Once any condition is diagnosed, Health Essentials offers unlimited in-patient and day-patient cover and the option to include unlimited cover for diagnosed cancer.
    The result is simple - confidence in being covered for the big, 'hard to budget for' costs of treatment, without the equivalent big premiums to match.
  • Option to add unlimited cover for cancer
    Some people are happy to rely on the NHS for cancer cover, whilst for others it is one the most important aspects of private medical insurance. With Health Essentials for Me, your clients can have it either way with the option to include or exclude unlimited cover for diagnosed cancer from your policy.
  • No NCD - no penalty for claiming
    Health Essentials for Me, like all of our plans, doesn't penalise your clients for making an indvidual claim - it is designed to deliver. It’s more reassuring than a policy that gives your clients an incentive not to claim - after all, what's the point in having cover if you can't use it.

For more information, please see our Guide to PMI or policy literature below.


Underwriting


Our extensive range of underwriting options is just another great reason to recommend The Exeter.

Underwriting

With The Exeter you can be sure that your client’s pay the right premium for the underwriting option they choose. As full medical underwriting asks more questions, it allows us to fully assess your client's personal and medical history before offering them cover - this is always the cheapest way you can recommend your client to apply for their policy with us.

Remember, we are the only insurer to offer you the unique fixed moratorium underwriting option – at The Exeter, we give you options that other insurers don’t.


Full medical underwriting

If you choose this option, your client will need to complete a full medical declaration, including details of the medical history of all family applicants. All applicants must be 79 years or younger.

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

Standard moratorium

Our Standard Moratorium is common to most medical insurers. If you choose this method, your client won’t have to provide full medical details with their application, but if they make a claim we may request information from their GP to determine whether the condition was pre-existing or not. All applicants must be 79 years or younger.

Benefits will not be available for treatment of any condition suffered by an applicant if:

  • The applicant had symptoms, medication, treatment or advice in connection with that condition in the five years before the start of their policy
  • There has not been a clear two year period after the start of their policy during which the applicant has been free of symptoms, medication, treatment and advice in connection with that condition.

Fixed moratorium

We offer a fixed length moratorium. Under this option, benefits will not be available for treatment of any condition suffered if your client had symptoms, medication, treatment or advice in connection with that condition in the five years before the start of their policy.

However, we will cover a pre-existing condition two years after the start of their policy, even if it has recurred during that two year period. If your clients apply using Fixed Moratorium, their premiums will be higher. All applicants must be 65 years or younger.

Our unique fixed moratorium underwriting option gives you a different way to apply, one that is always popular with advisers.

To find out more about our underwriting options, please contact us on 0300 123 3203 or speak to your key account manager.

Switch Underwriting


If you’re thinking of switching your client’s cover from another insurer, we have two underwriting options designed just specifically for this need:

Thinking of Switching

Continued moratorium

This option is designed to let your client continue the moratorium period that applies to their existing private medical insurance policy with another provider. You will need to provide a certificate from the previous insurer with the application.

You will also need to answer a few questions about recent or planned medical conditions or treatment. All applicants must be 70 years or younger.

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 current policy, not your new policy with The Exeter.

If your client has had their current policy for more than two years and has not had a recurrence during that time, we will cover that condition immediately, subject to the terms of their policy.

Continued personal medical exclusions

This option is designed to allow your client to carry across the personal medical exclusions from their existing policy. You will need to provide a certificate from the previous insurer with the application.

You will also need to answer a few questions about your client's recent or planned medical conditions or treatment. All applicants must be 70 years or younger.

Remember, even if any of your clients already have private medical insurance with another provider, you always have the option of applying with Full Medical Underwriting, which will reduce the premiums they pay.

Membership Benefits


As a member of The Exeter, your clients have access to a number of value added benefits on top of their core insurance cover, at no additional cost.

Exeter Assist

Offering confidential support and guidance on a wide range of issues, from relationship concerns to worries about debt.

GP Helpline

A phone and webcam service providing information and advice about your client’s health concerns or those of their family.

Private prescription service

A follow-up to the GP Helpline, providing a hassle-free way of receiving medication, without a trip to an NHS doctor.

Membership Benefits

For more details, please visit the Membership Benefits page.