The Exeter has announced a series of enhancements to its NHS cash benefit, strengthening the level of financial support available to members who receive treatment through the NHS.
Effective immediately, the changes apply to all live plans and most legacy plans, subject to some product-specific limits.
Members will now receive higher payments for NHS in-patient stays, alongside the introduction of a new benefit for eligible NHS day-patient treatments.
The insurer has also clarified how much can be claimed, aiming to make the benefit simpler to understand and use.
Under the updated structure, the NHS in-patient cash benefit has increased from £150 to £250 per night, while a new £150 per day NHS day-patient benefit has been introduced.
The excess deduction has been removed, ensuring members receive the full benefit, and claims will not affect a member’s no-claims discount.
The annual cap varies by product, with a maximum of £10,000.
There is a single annual cap of up to £10,000 across NHS cash benefits, and for any one hospital visit members can claim either the in-patient or day-patient benefit at any one time, but not both.
The combined cap is designed to offer greater flexibility, allowing members to use the benefit in line with their treatment pathway rather than being constrained by multiple sub-limits.
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.”
