The Exeter Health Insurance Review 2026: Health+ Cover, Cost & Verdict

Overview

The Exeter is a mutual friendly society dating back to 1927. Its Health+ plan wins praise for clarity — plain-language documents, sensible options and a no-claims discount that is the most protective in the market: claims under £300 don't move your discount at all.

Members get unlimited virtual GP consultations, physiotherapy sessions and mental health support through the HealthWise app, in many cases without needing to claim on the core policy — which helps keep future premiums down.

Reviews & ratings

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Strengths

Most protective no-claims discount in the market (claims under £300 have no effect)
Unlimited virtual GP, physio and mental health sessions via the HealthWise app
Clear, plain-English policy documents
Mutual society — run for members, not shareholders
Severity-based medical questions can suit some health histories

Things to consider

GP referral required for all claims — no direct access pathways
No dental or optical cashback options
Smaller brand presence than the big four

Who is The Exeter best for?

People planning to hold cover long-term who want their no-claims discount protected, and heavy users of virtual GP and physio services.

What does it cost?

From £53/month. Indicative for a 30-year-old on comprehensive cover, 2026. Your price depends on age, cover level and excess.

Frequently asked questions

What is The Exeter's HealthWise app?

HealthWise gives Health+ members unlimited remote GP appointments, physiotherapy consultations, mental health support and dietitian sessions at no extra cost — and using these services doesn't count as claiming on your policy, so your no-claims discount is unaffected. For many members it covers day-to-day needs entirely.

How does The Exeter's no-claims discount work?

It's the most forgiving in the market. Claims under £300 in a policy year don't affect your discount level at all, and larger claims move you down more gently than most competitors. If you expect the odd small claim, this structure can save meaningful money over years.

Is The Exeter good for someone with a health history?

Sometimes, yes. The Exeter asks severity-based medical questions rather than blanket exclusions in some areas, which can produce fairer underwriting for certain conditions. Outcomes vary case by case, so it's worth getting a comparison that includes The Exeter alongside the bigger names.

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Understand how health insurance works

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The Exeter Health Insurance Review