There is no single price for The Exeter's Health+: its policy document says it is priced by age and by region, and the excess, out-patient limit and treatment option you pick move the figure as well. Health+ is quoted on your own age and postcode, and an FCA-authorised broker can produce that figure for nothing on a call-back, explaining what each option does to the price; request it via the form on this page.
What goes into a Health+ premium
The July 2026 policy document ties the premium to the following, and your claims shape it later.
- Age. Health+ is priced by age, and the document treats a yearly rise for age as normal. The renewal side of this is covered in why an Exeter premium rises at renewal.
- Postcode. Health+ is "a regionally priced product", so the same cover can cost different amounts in different places, and moving house can change the premium part-way through a policy year.
- Your treatment option. You choose either guided specialist or a hospital list, and the two cannot be combined.
- Your benefit options and excess. Out-patient cover, therapies, mental health and the excess are all chosen at application.
The options you choose, and which way they usually push the price
Health+ lets you set the following. These are the options the policy document lists.
| Setting | What Health+ offers |
|---|---|
| Excess (per member, per policy year) | Nil, £100, £250, £500, £1,000, £3,000 or £5,000 |
| Out-patient cover (consultations and diagnostic tests) | Unlimited, up to £1,000, up to £500, or no cover |
| Therapies (physiotherapy and similar) | Unlimited, up to £1,000, up to £500, or no cover |
| Mental health | Cover or no cover |
| Treatment option | Guided specialist (no list to pick), or the Essential, Standard or Extended hospital list |
As a general rule, taking a bigger excess, trimming the out-patient limit, choosing a narrower hospital list or going guided usually lowers a premium, and loosening any of them usually raises it. The Exeter's own wording on changing a policy points the same way: it lists increasing the excess and downgrading to a reduced hospital list or to guided specialist under "Options to reduce your premiums", though once you hold the policy those changes can only be made at renewal. How far each one moves your own figure depends on your age and postcode, so it is worth having the same cover priced at a couple of excess levels before you settle on one. The general effect of the excess is set out in health insurance excess explained.
One detail worth knowing: a claim smaller than the excess still counts. The document says to submit it anyway, because any excess due on later claims that year is reduced by what was already deducted.
A rough sense of scale, and why it is not The Exeter's figure
For orientation only, the broad UK market for mid-range private medical cover with a moderate excess, paid monthly, is indicatively around £40–£80 a month for one adult in their forties, and £90–£180 for one adult close to 60 (our indicative ranges, October 2026). These are not Exeter prices and not a quote; the real spread is wide and your own figure turns on the age, postcode and options above. For the Health+ figure itself, the person who phones you back can run your details through and read out a price.
Taxes are inside whatever figure you are given: Health+ premiums include Insurance Premium Tax, and The Exeter says it will amend premiums, with reasonable notice, if the Government changes the rate. The general tax picture is in health insurance tax and cost.
Guided specialist or hospital list: the fee schedule and what it means for the bill
The fee schedule matters most if you pick a hospital list. The Health+ policy document (MKTG762, July 2026, page 5) defines it as setting out "the maximum fees we will pay specialists for the treatment they provide".
What follows differs by option. With guided specialist, The Exeter helps you find an approved specialist and pays eligible specialist fees in full. With a hospital list, it pays up to the amount in the fee schedule; if the specialist charges more, you are told what The Exeter will pay and you pay the remainder, which the document calls a shortfall. The document adds that the most up-to-date schedule is on The Exeter's website.
That online schedule (it carries no date; checked 29 October 2026) lists the maximum benefit The Exeter pays towards a specialist's fee for each operation or procedure, by its CCSD code, with a separate amount for the anaesthetist. Cataract surgery on one eye with a lens implant, for example, shows £350 for the procedure and £285 for the anaesthetic, and an initial out-patient consultation is listed at £130 for a surgeon, £175 for a physician and £180 for a psychiatrist. These are the most The Exeter pays on a hospital list, not what a specialist will charge. The schedule asks you to get the CCSD code from your specialist before you phone to authorise the claim.
That is a cost you only meet if you claim, so it does not appear in the premium. It is a reason to ask the broker which specialists your likely treatment would involve under each option, and what your own hospital list covers. The Exeter hospital list explained goes through the lists themselves.
Paying for Health+, and what comes back if you cancel
Premiums are paid by monthly Direct Debit, or annually by Direct Debit or debit or credit card, and the choice matters if you leave early. Cancel within 30 days of the start and premiums paid are refunded, as long as no member has claimed; after that, monthly payers get nothing back, while annual payers are refunded pro rata for the complete months left in the policy year. Falling behind costs more than the arrears: you cannot claim while premiums are unpaid, two missed months mean giving updated medical information before cover can restart, and three or more lead The Exeter to cancel the policy from the first unpaid premium. Separately, the underwriting route on your quote decides what is covered from day one; how The Exeter treats pre-existing conditions explains the four routes.
No Claims Discount or community rated: how claims reach your price
Health+ is sold on either a No Claims Discount or a community rated structure. With a discount, "the maximum discount you can receive is 75%" on a scale of fifteen levels, and your own claims move you up or down it. Under a community rated structure future premiums reflect a wider pool's claims rather than yours. Which applies is shown on your certificate, and the working of the scale is covered in the renewal page and the guide to no-claims discounts. Ask the broker for a quote on each structure, if both are available to you, because the starting premium and the later behaviour are different things.
Five things to settle with the broker on a Health+ quote
- Which excess, out-patient and therapies limits does the quote assume, and what would the next level up or down do to the figure?
- Is it priced on guided specialist or a hospital list, and which list?
- Is the policy on a discount or community rated, and is the discount protected?
- Which underwriting route applies, and what exclusions would be on the certificate?
- If the quote has £500 or £1,000 out-patient cover, what would adding unlimited out-patient diagnostics do to the figure?
Taking these to the broker's call-back means the quote you end up with is built on options you picked, not defaults. Requesting that call takes a minute on the form here.
Questions people ask about Exeter pricing
Where will I see my actual Health+ premium?
On your quote at the start, and then on the renewal letter The Exeter sends before each renewal date, which confirms the coming year's terms, any changes and the revised premium.
Does the fee schedule apply to physiotherapy and other therapies?
Not in the same way. The online schedule says fees for therapists and similar practitioners are paid up to the rate The Exeter has contracted or agreed with the practitioner, and that the member will not be responsible for any shortfall, subject to any policy or benefit limitations.
What happens to the premium if the family grows?
It changes. The document says the premium changes when you add or remove family members during a policy year. A baby under 1 can be added from your next payment date, while other adults and children (under 21, or 25 in full-time education) join at renewal; anyone added is underwritten through an application form and has the same excess as you.
Do I need to be in the UK to hold a policy?
Health+ requires UK residence: at least 183 days a year in the UK, registration with a UK GP, and eligibility for free NHS treatment.