The Exeter is increasing payments for members’ in-patient NHS stays and is adding a new day-patient benefit for eligible NHS day-case treatments.
It is also removing the excess deduction for these benefits.
The changes apply to live plans and most legacy plans, with some exceptions where product-specific limits remain and are designed to make the benefit easier to understand and use.
The changes mean:
- NHS in-patient cash benefit increased from £150 to £250 per night
- New £150 per day NHS day-patient benefit introduced for eligible NHS treatments
- Excess deduction removed, ensuring members receive the full benefit
- Annual cap varies by product with a maximum of £10,000
- Claims do not affect a member’s no claims discount
There is a single annual cap of up to £10,000 across NHS cash benefits and for any single hospital visit, members can claim either the in-patient or day-patient cash benefit at one time, but not both.
The insurer added that the single combined cap aims to offer greater flexibility, allowing members to draw on the benefit in line with their actual treatment plan, rather than being restricted by sub-limits.
Dawn Prescott, head of healthcare proposition at The Exeter, (pictured) said: “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.”