Health Choices for Me is a modular private medical insurance (PMI) plan. It is built around a mandatory core module called Essential Cover. This includes unlimited in-patient and day-patient treatment, out-patient surgery and CT/MRI/PET scans. The plan also includes private ambulance, home nursing, parental accommodation (with children up to 18), GP helpline and £250 a night NHS cash benefit and £250 hospice donation. One key point to note is that the core module excludes any treatment for diagnosed cancer, although this can be added as an optional module.
The three optional modules which can be added to Essential Cover are:
- Out-Patient. Clients can choose annual limits of £500 or £1,000 or unlimited cover.
- Cancer Cover. This offers treatment for diagnosed cancer and unlimited benefit for oncology and specialist consultations for cancer. The brochure goes into detail on exactly what is and is not covered, so helping avoid any later misunderstandings.
- Manipulative Treatment. This covers physiotherapy, osteopathy, podiatry and chiropractic treatment received as an outpatient. Cover can be up to £300 a year or unlimited.
To further tailor cover and cost, excess options of £100 and £250 are available. Premiums are also reduced by 10% for non-smokers and by a further 10% by those with a BMI (body mass index) within prescribed limits.
A 35 year-old man with 20% health discounts, living in a SW postcode wanting all options and unlimited cover would pay a premium of £59.35 a month.
What They Say
Head of intermediary sales Mike O’Brien said. “The feedback and response we had from advisers was overwhelming; they wanted customers to be able to choose and build the plan that’s right f0or them, but that current modular plans went too far, they complicate and confuse.
"We’ve listened and delivered a product that takes the stress out of the modular market. It’s quite simple - you start with a ‘core’ module, make three easy choices of cover, and then decide if an excess is needed.”
What We Say
"Modular PMI is now well-established as a good way to meet PMI needs at an affordable cost and allows cover to be ‘flexed’ as needs and budgets dictate (at least in theory). Exeter’s new plan can cover most PMI needs and has good cancer coverage – but only as an add-on (although cancer diagnosis is covered under the core plan).
"We particularly like the literature style – which is simple and clear – and much of the design detail. It may only be a small point but we like GP helplines and parental accommodation with all children up to 18 (not the arbitrary lower limits many PMI plans have).
"Exeter’s marketing makes great play of the fact that the plan is based on broker feedback. Good!"