What The Exeter’s own policy document says about 10 parts of its Health+ cover, quoted rather than summarised. Source: Private Medical Insurance — Insurance Product Information Document (Health+) (October 2025), read 4 September 2026.
| Benefit | What the document says | Page |
|---|---|---|
| Cancer cover | Cancer cover runs to all stages once diagnosed, including palliative and terminal treatment, with no time or financial cap. | 1 |
| Out-patient cover | Core cover includes CT, MRI and PET scans, out-patient surgery, and up to three sessions of post-operative physiotherapy. Broader out-patient consultation and diagnostic cover is a paid add-on, not core. | 1 |
| Hospital lists | Four treatment options set which hospitals can be used, from a guided-specialist route to an extended hospital list. | 1 |
| Mental health cover | Mental health cover is an optional add-on rather than core cover. | 1 |
| Physiotherapy and therapies | Therapies are an optional add-on covering physiotherapy, chiropractic, osteopathy, acupuncture, podiatry, speech therapy, pain clinic and dietician — capped at two consultations. | 1 |
| Chronic conditions | Ongoing, recurrent and long-term conditions are not covered. | 1 |
| Eligibility | Cover requires the legal right to reside in the UK and physical residence for at least 180 days of each policy year. | 1 |
| Dental and optical cover | Treatment by a GP, optician, dentist or orthodontist is excluded outright — there is no dental or optical add-on. | 1 |
| Additional benefits | Private ambulance, home nursing, parental accommodation, hospice donation and an NHS cash benefit are all included alongside a no-claims discount. | 1 |
| Cosmetic exclusion | Cosmetic and plastic surgery, bariatric and weight-loss treatment, convalescence and rehabilitation, and self-inflicted injury are all excluded. | 1 |
Cancer cover
Cancer cover for all stages of cancer once diagnosed, including palliative and terminal treatment, with no time or financial limit.
Cancer cover runs to all stages once diagnosed, including palliative and terminal treatment, with no time or financial cap. (page 1)
4 insurers in our set document this. See cancer cover compared across 4 UK insurers.
Out-patient cover
Out-patient benefits CT, MRI and PET scans, including professional fees where appropriate. Out-patient surgery. Up to three sessions of post-operative physiotherapy.
Core cover includes CT, MRI and PET scans, out-patient surgery, and up to three sessions of post-operative physiotherapy. Broader out-patient consultation and diagnostic cover is a paid add-on, not core. (page 1)
Only 2 of the insurers whose wording we hold address out-patient cover, so there is no comparison page for it yet.
Hospital lists
A choice of four treatment options: Guided specialist, Essential hospital list, Standard hospital list, and Extended hospital list
Four treatment options set which hospitals can be used, from a guided-specialist route to an extended hospital list. (page 1)
3 insurers in our set document this. See hospital lists compared across 3 UK insurers.
Mental health cover
Benefit add-ons (optional) ... Mental health
Mental health cover is an optional add-on rather than core cover. (page 1)
6 insurers in our set document this. See mental health cover compared across 6 UK insurers.
Physiotherapy and therapies
Therapies cover – treatment by a Physiotherapist, Chiropractor, Osteopath, Acupuncturist, Podiatrist, Speech therapist, Pain clinic or Dietician (maximum of two consultations)
Therapies are an optional add-on covering physiotherapy, chiropractic, osteopathy, acupuncture, podiatry, speech therapy, pain clinic and dietician — capped at two consultations. (page 1)
4 insurers in our set document this. See physiotherapy and therapies compared across 4 UK insurers.
Chronic conditions
Treatment or monitoring of ongoing, recurrent and long term conditions (also known as 'chronic conditions').
Ongoing, recurrent and long-term conditions are not covered. (page 1)
5 insurers in our set document this. See chronic conditions compared across 5 UK insurers.
Eligibility
You must have the legal right to reside in the UK (England, Scotland, Wales or Northern Ireland) and physically live in the UK for at least 180 days in each policy year.
Cover requires the legal right to reside in the UK and physical residence for at least 180 days of each policy year. (page 1)
Dental and optical cover
Treatment by your GP, optician, dentist or orthodontist
Treatment by a GP, optician, dentist or orthodontist is excluded outright — there is no dental or optical add-on. (page 1)
4 insurers in our set document this. See dental and optical cover compared across 4 UK insurers.
Additional benefits
Additional benefits Private ambulance, Home nursing, Parental accommodation, Hospice donation, NHS cash benefit. A No Claims Discount, where you'll earn discounts on your premiums if you stay healthy and don't claim
Private ambulance, home nursing, parental accommodation, hospice donation and an NHS cash benefit are all included alongside a no-claims discount. (page 1)
Cosmetic exclusion
What is not insured? Alcohol, drug or substance abuse. Convalescence & rehabilitation. Cosmetic and plastic surgery. Bariatric and weight loss surgery or treatment. Deliberate self-inflicted injury or suicide attempt
Cosmetic and plastic surgery, bariatric and weight-loss treatment, convalescence and rehabilitation, and self-inflicted injury are all excluded. (page 1)
3 insurers in our set document this. See cosmetic exclusion compared across 3 UK insurers.
The other documents we hold
- Aviva Healthier Solutions — 14 benefits quoted from its April 2025 document.
- AXA Health Personal Health — 12 benefits quoted from its October 2024 document.
- Bupa By You — 10 benefits quoted from its 2024 document.
- Freedom Health Insurance Freedom Elite — 4 benefits quoted from its April 2025 document.
- Saga HealthPlan Super — 5 benefits quoted from its May 2025 document.
- WPA Complete Health — 10 benefits quoted from its November 2025 document.
Get a quote for The Exeter cover
Get a free quote and a specialist broker will call you back to talk you through what The Exeter and other insurers would offer for your circumstances — free, no obligation.
This quotes one document at one point in time, and insurers revise wording at renewal. It is general information rather than advice, and it cannot tell you what The Exeter would offer you personally — that turns on your medical history and the underwriting you accept. See also the guide to comparing UK cover and the list of FCA-authorised brokers.