Private health insurance
To cover healthcare costs for one individual
Who is The Exeter?
Key benefits
The Exeter can trace its roots back to 1927 and operates as a mutual. The Exeter prioritises value, service and sustainable pricing. The main benefits to taking out insurance with The Exeter are:
✔ Member benefits via HealthWise app
✔ No-claims discount scheme
✔ A free annual Health MOT
✔ Lifestyle and nutrition consultant each year
Defatato rating (health insurance)
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Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Phone number for The Exeter customers
0300 123 3201
Opening hours are Monday to Friday: 8:00 am – 8:00 pm & Saturday: 8:00 am – 1:00 pm
What health insurance does The Exeter offer?
Here are the main types of health related insurance the The Exeter offers:
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Couples health insurance
Covers two people under one plan, typically partners or spouses
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Family health insurance
Provides cover for all family members, including parents and children
Why trust The Exeter with your health insurance?
Founded in Devon in 1927, The Exeter has grown to become one of the UK’s leading friendly societies, now supporting more than 140,000 members nationwide. As a mutual organisation, they exist solely for the benefit of their members — not shareholders — ensuring that everything they do is focused on delivering fair value, trusted cover and outstanding service.
Why choose The Exeter?
✔ Named Best Private Medical Insurance Provider at the Moneyfacts / Investment, Life & Pensions Awards 2024
✔ Rated ‘Excellent’ on Trustpilot (4.3), reflecting strong customer confidence
✔ Run exclusively for the benefit of our members, with profits reinvested to enhance products and services
Example quote when comparing health insurance
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. Quote taken on 24.09.25
How do I make a claim with The Exeter?
When you take out The Exeter Healthcare through MoneySuperMarket your insurance is provided by The Exeter and brokered by ActiveQuote. The Exeter will handle your insurance claim.
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Contact your GP
Many policies require a specialist referral to diagnose your condition
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Pre-authorise your claim
Call The Exeter on 0300 123 3253
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Complete & return claim form
Fill in your return claim form, taking care to fill in all details, sign and return.
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Receive decision & book treatment
Once authorised, you can book your specialist consultation, scans, tests or treatment at a recognised provider.
Frequently asked questions
Does The Exeter cover pre-existing conditions?
Like most private insurers, The Exeter does not normally cover pre-existing conditions. Under moratorium underwriting some conditions may be re-covered if you have been symptom and treatment-free for a set period
How are premiums calculated?
Age
Where you live (postcode)
Your chosen cover level (core only vs extras)
Your claims history
The excess you agree to pay
Whether you pick Guided or Traditional cover
What is the difference between “Traditional” and “Guided” cover?
Traditional cover: You choose a hospital list up front and your GP can refer you to a named specialist from that list.
Guided cover: Your GP provides an open referral. The Exeter then gives you a shortlist of up to three specialists to choose from. Guided cover is usually more cost-effective, while Traditional gives more freedom of choice.
How do I make a claim with The Exeter?
Visit your GP and get a referral (open referral for Guided; named referral for Traditional).
Contact The Exeter claims team on 0300 123 3253 with your referral details.
The Exeter confirms cover, provides approved specialists/hospitals, and pre-authorises treatment.
Bills are settled directly with providers (minus any excess you’ve chosen).
Can I add my family or dependants to my Exeter policy?
Yes. You can include a partner/spouse and children on your Health+ policy. Each family member gets their own access to benefits (like GP app consultations and health checks). Premiums will be reviewed when dependants are added.
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Reviewed on 17 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Accurate as of September 2025
Defaqto is an leading independent reviewer of financial products. The Exeter has been awarded a Defaqto 5-star rating, indicating it is among the most comprehensive and feature-rich products available in the market
Individual insurance products from The Exeter will have different ratings.
Data from the Defaqto website. Data from Sept 2025.