Health+ Personal

Health+ Personal is a health insurance plan from The Exeter, available to residents of United Kingdom. Sum insured ranges from varies, eligible ages 18 to 65, and the policy is annual. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at £55, against a category median of £60 across the 11 comparable health plans we track in this country. That places Health+ Personal in the lower-mid range on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 6 core inclusions, 4 highlighted features, and 3 optional riders. Notable features called out by The Exeter include Member-owned mutual, Unlimited cancer cover standard, and Mental health included. On the rider side, Health+ Personal can be extended with Dental & Optical, Therapies, and Extra Care — each adding to the base premium but also widening what the policy will pay out for.

Where Health+ Personal explicitly will not pay: Pre-existing conditions and Cosmetic surgery. These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.