Compare My Health Insurance

Unlimited in-patient and day-patient treatment with no annual limit, complete cancer cover across all stages including newer drugs, out-patient surgical procedures, CT, MRI and PET scans during treatment, private road ambulance, home nursing after treatment, parental accommodation, an NHS cash benefit and the HealthWise app. Out-patient consultations and diagnostic tests before a diagnosis is confirmed are not included as standard and need to be added.

Only out-patient surgery is included in core cover. Consultations and diagnostic tests before diagnosis sit outside it, so you choose an out-patient level when you buy: core only, £500 a year, £1,000 a year, or unlimited. There's also an unlimited diagnostics option that can sit alongside a capped limit, meaning scans and tests are covered in full and only specialist consultation fees count against your cap.

Yes, it's one of only three UK insurers to score a full 5 stars in independent 2026 industry ratings, and holds a Defaqto 5-star rating on its Health+ product.

It has no shareholders. Every policyholder is a member, and profits are reinvested into the business rather than paid out as dividends, which can shape more favourable pricing and claims decisions over time.

Traditional lets you choose from three hospital list tiers yourself: Essential, Standard or Extended. Guided is around 14% cheaper, with your GP making an open referral and The Exeter providing a recommended shortlist instead. Core cover is identical on both.

It runs on fifteen tiers, and you move up a level for each claim-free year. Claims under £300 don't affect your accumulated discount at all, and neither do NHS cash benefit payments or claims below your excess. That's a more forgiving structure than many competitors who reset some or all of your discount after any claim.

No. The Exeter doesn't currently offer a dental or optical add-on, which is unusual among the major UK insurers. If dental matters to you, see our dental cover comparison for the insurers that do. What The Exeter offers instead is HealthWise, a broader everyday wellbeing package covering remote GP, physiotherapy, mental health and dietitian support.

It's often recommended for exactly this, thanks to its severity-based disclosure questions and four underwriting routes including continued moratorium for switchers and medical history disregarded for eligible applicants, though it's always worth comparing your specific circumstances across insurers.