New Exeter Friendly Plan

Exeter Friendly has launched a new health insurance product with a catchy and relaxed name: "Health and Stuff." Its clear and easily understood policy document is excellent and should enable prospective customers to easily understand what they are purchasing.

The new offerings are designed with an awareness of the cost conscious nature of the current economy. Richard Wyatt-Haines, sales and marketing director at Exeter Friendly, said:

'Our research shows that the needs and demands of customers can vary hugely according to their stage of life. With Heath & Stuff, we have built a plan which reflects this, allowing customers to buy their plan according to what is important to them and what they can afford. From there on it's simple. No hidden limits, no small print.'

"Health and Stuff" has several levels of cover: £2,500, £5,000, £10,000 or £20,000. Claimants have to pay the first 10% of any treatment. Cover includes: Cancer cover, in-patient and day-case hospital charges, CTI/MRI/PET scans; out-patient surgery specialists fees, specialist fees diagnostic tests, consultant fees, diagnostic tests, physiotherapy, osteopathy, chiropractic, podiatry, private ambulance, home nursing, parental accommodation, 24-hour GP helpline.

Unusually the cover provided enables parents to stay with their sick children up to the age of 18. Most policies only provide this cover when children are 12 or below.

They are currently offering two discounts:

• 10% discount if your body mass index between of 18 to 25
• 10% discount if you have not smoked for the last 12 months

The Exeter Friendly distinguishes itself by having a very clear policy document which warns prospective claimants that some of the more expensive treatments may not be covered by their annual limits. They detail the costs of common procedures so that consumers can see exactly what they can expect with each of the levels of cover. In fact the whole policy document is clear and leaves consumers fully aware of what is and isn't covered.

The Health and Stuff policy is likely to be a pioneer in clear and understandable policy documents which enable consumers to see exactly what they are and are not going to get when they sign on the dotted line. Well done Exeter Friendly Society!