The Exeter and WPA both set out wording for 5 of the same benefits. This compares what each policy document says, benefit by benefit — only the benefits both address are shown, so every line is a like-for-like comparison rather than a gap.
| Benefit | The Exeter — Health+ | WPA — Complete Health |
|---|---|---|
| Cancer cover | Cancer cover runs to all stages once diagnosed, including palliative and terminal treatment, with no time or financial cap. | Targeted cancer therapies under the Cancer Care option are funded only with curative intent and only where not available on the NHS, and adding it brings a minimum £500 excess. |
| Chronic conditions | Ongoing, recurrent and long-term conditions are not covered. | Long-term (chronic) conditions are excluded, alongside pre-existing conditions, fertility, pregnancy and childbirth, HIV/AIDS, cosmetic treatment, allergies — and varicose veins for the first two years on full medical or moratorium underwriting. |
| Hospital lists | Four treatment options set which hospitals can be used, from a guided-specialist route to an extended hospital list. | The standard list covers around 1,000 UK hospitals, clinics and scanning centres, with a Premium Hospitals option adding mainly central London facilities. |
| Mental health cover | Mental health cover is an optional add-on rather than core cover. | Mental health is a paid Optional Extra. It covers in-patient and day-patient treatment for up to 28 days or nights, and requires choosing an out-patient and therapy level of either £1,000 or £2,500. Structured counselling runs to 20 sessions. |
| 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. | Therapy cover is chosen at outset from five levels, including an unlimited option — the only unlimited therapy tier among the documents we hold. |
Where they actually differ
- cancer cover: The Exeter includes it in the plan, while WPA includes it, with a stated limit.
- physiotherapy and therapies: The Exeter offers it as an add-on, while WPA includes it, with a stated limit.
Those are the lines that change a claim. Where both include a benefit, the detail that separates them is usually the limit and whether a referral is needed — which is why the wording above is worth reading in full, not just the fact that a benefit appears on both.
The full document for each
Get a quote for either — or the whole market
Get a free quote and a specialist broker will call you back to price The Exeter, WPA and other insurers for your circumstances — free, no obligation. It is the fastest way to see which of the two actually costs less for the cover you want. See also how UK cover compares and the FCA-authorised broker list.
Sources
- The Exeter — Source: Private Medical Insurance — Insurance Product Information Document (Health+) (October 2025), read 4 September 2026.
- WPA — Source: Private Medical Insurance — Insurance Product Information Document (Complete Health) (November 2025), read 4 September 2026.