Policyholders pay 10 per cent of the costs, while Exeter pays the remaining 90 per cent, up to an annual limit that is chosen at the outset. The annual limit can be £2,500, £5,000, £10,000 or £20,000. Policyholders will have to meet the cost of treatment above the annual limit and the cost of any treatment not covered by the policy.
Children aged three months to five years can be added to the policy free. There will be an extra charge for children between the ages of five and 21, or 25 if in full time education.
The plan provides a range of benefits, including cancer cover, and is renewable each year. There is no option to add cover for spouses under a family policy, as Exeter thinks it is best for everyone to have their own annual limit. The policy last for 12 months and is renewable each year.
Premiums can be reduced by 10 per cent for people who have a healthy body mass index and for people who have not smoked for at least 12 months. Health & Stuff also covers for all stages of cancer up to the annual limit. However, expensive cancer treatments are unlikely to eb fully covered within the annual limits available.
There are other limitations, as the plan does not cover emergency treatment, routine check-ups and prescriptions or preventative treatment/tests. There are also exclusions relating to routine eye care, dental care, mental or psychological treatment and drugs & dressings resulting from out-patient treatment, except for cancer.