The Exeter Health Insurance
Discussion
Thanks for the reply Dale - it's their different approach to pre-existing conditions which is why they have been suggested to me (as you have probably guessed)
What's your general take on them as a provider? Anything to be aware of relative to the main players beyond the difference in the products themselves?
What's your general take on them as a provider? Anything to be aware of relative to the main players beyond the difference in the products themselves?
Yes the service isn’t bad tbh, but most of our clients still go with Bupa, Aviva, or Vitality.
The Exeter don’t exclude related conditions, so if you had diabetes for example this would be classed as a pre existing condition. Once insured you get diabetic retinopathy which is caused by diabetes. You would still be covered as long as you didn’t have any symptoms or treatment or advice in relation to your eyesight in the last 5 years.
The Exeter don’t exclude related conditions, so if you had diabetes for example this would be classed as a pre existing condition. Once insured you get diabetic retinopathy which is caused by diabetes. You would still be covered as long as you didn’t have any symptoms or treatment or advice in relation to your eyesight in the last 5 years.
dalenorth said:
Yes the service isn’t bad tbh, but most of our clients still go with Bupa, Aviva, or Vitality.
The Exeter don’t exclude related conditions, so if you had diabetes for example this would be classed as a pre existing condition. Once insured you get diabetic retinopathy which is caused by diabetes. You would still be covered as long as you didn’t have any symptoms or treatment or advice in relation to your eyesight in the last 5 years.
That's exactly it. I have high BP managed by meds (stable for a couple of years), but no indication as to why beyond weight/inactive lifestyle. Exeter seem to be the only provider that will cover me for any potential related cariology issues from policy inception and hence are an attractive option.The Exeter don’t exclude related conditions, so if you had diabetes for example this would be classed as a pre existing condition. Once insured you get diabetic retinopathy which is caused by diabetes. You would still be covered as long as you didn’t have any symptoms or treatment or advice in relation to your eyesight in the last 5 years.
I naively thought that in general moratorium policies would take into account the previous history of stability, rather than run from inception of policy... if I'd realised that I'd have been looking 18 months ago and almost be clear of the 2 year period now.
Sounds like there are no red flags with them from your end then? Why do people typically go for the big players, familiarity, price/product or something else?
They've been around a long time and the time we needed them they provided an excellent service, I was working for the Botswana Government via the Overseas Aid Scheme and was advised before we left UK to take out an Exeter Health Policy. We were with them 1972-1980 when we were working in Gaborone. In 1978, my wife got Rheumatic Fever and I came down with Hepatitis and we had two very young babies at the time and it was decided that we could not be treated locally and on advice from the British High Commission we were flown back to the UK, a private ambulance met the plane and my wife was put in isolation at Barnet General, I then had to cope whilst recovering with two babies for the two months my wife was isolated, luckily we had relatives near to Barnet General so I stayed with them.
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