Members who receive treatment through the NHS will get higher payments for in-patient stays, and The Exeter has introduced a new day-patient benefit for eligible day-case treatments. The insurer has also published clearer rules on how much can be claimed.
The changes will apply to all live plans and most legacy plans, with exceptions where product-specific limits remain.
The NHS in-patient cash benefit has been increased from £150 to £250 per night, while a new £150 per day NHS day-patient benefit now applies for eligible NHS treatments.
The Exeter has removed the excess deduction so members receive the full benefit, and the annual cap will vary by product, up to a maximum of £10,000.
Claims will not impact a member’s no-claims discount.
Members can claim either the in-patient or day-patient cash benefit at one time, not both. The single combined cap aims to offer more flexibility as it allows members to draw on the benefit in line with their actual treatment plan and not be restricted by sub-limits.
Supporting members during uncertain life events
Dawn Prescott, head of healthcare proposition at The Exeter, said: “Our goal is to provide members with practical support during life’s most uncertain moments. These enhancements reinforce the financial help available when members choose NHS care, acknowledging the vital role the NHS plays, while ensuring our cover remains generous, straightforward, and easy to access.
“By increasing benefit amounts, introducing a new day-patient benefit, and removing the excess deduction, we’re making the experience simpler and more flexible. Many treatment pathways, especially for conditions like cancer, now span both in-patient and day-patient settings. Members have the freedom to use their benefit in the way that best fits their personal journey, with an annual cap of up to £10,000, subject to product-specific limits.”
