Yes, and comprehensively. Cancer cover is a core part of The Exeter’s Health+ policy, included as standard rather than as an optional add-on. It covers cancer care at every stage, from diagnosis through active treatment to palliative and terminal care, with no time or financial limits on eligible cancer treatment. That means chemotherapy, radiotherapy, targeted and biological drug therapies and immunotherapy are all covered in full when related to a diagnosed, eligible condition. The Exeter also provides access to breakthrough cancer drugs and treatments that the NHS may not fund due to cost, which is one of the most valuable features of good private cancer cover. As with all insurers, cover applies to conditions that arise after your policy starts, not pre-existing cancer, so the exact terms depend on your policy and medical history.

Yes. Unlike some insurers that treat full cancer cover as an upgrade, The Exeter includes comprehensive cancer cover as standard in every Health+ policy, with no annual cap. Alongside unlimited in-patient and day-patient treatment, this makes the core cover strong for serious conditions. A notable detail is that Health+ includes CT, MRI and PET scans related to a diagnosed covered condition as standard, which is unusual, as many insurers count diagnostic scans against a separate outpatient limit. The main thing to understand is the distinction between diagnosis and treatment: once cancer is diagnosed as an eligible condition, treatment is covered in full, but the out-patient consultations and diagnostic tests that come before a diagnosis is confirmed are a separate part of the policy you choose the level of when you buy.

Yes. One of the standout features of The Exeter’s cancer cover is access to breakthrough cancer drugs and treatments, including newer therapies that the NHS may not yet fund because of their cost. This can be significant, because some modern targeted and immunotherapy treatments are expensive and not always routinely available on the NHS. With The Exeter Health+, eligible cancer drugs and treatments are covered in full with no financial limit, provided they relate to a diagnosed covered condition and are clinically appropriate. This kind of access to cutting-edge treatment is one of the main reasons people value private cancer cover over relying on the NHS alone. As always, the specific drugs covered depend on clinical circumstances and the insurer’s assessment, so confirm the details for your situation.

This is the key nuance with The Exeter, and with health insurance generally. Once cancer is diagnosed as an eligible condition, The Exeter Health+ covers the treatment in full, with no limits. However, the out-patient consultations and diagnostic tests you have before a diagnosis is confirmed sit in a different part of the policy. With Health+, core cover includes in-patient, day-patient and out-patient surgical procedures, but pre-diagnosis out-patient consultations and diagnostics are an area you choose a level for when you buy: core only, £500 a year, £1,000 a year, or unlimited. So if getting quickly to a diagnosis matters to you, it’s worth choosing a higher out-patient level, because that’s the part that funds the initial investigations. After diagnosis, the comprehensive cancer cover takes over.

The Exeter’s cancer cover is considered among the strongest in the UK market. Its Health+ policy holds a Defaqto 5-star rating and performs highly in independent PMI ratings, and full, unlimited cancer cover including breakthrough drugs is provided as standard rather than as a paid upgrade. Including CT, MRI and PET scans as standard is also unusual and valuable. Where The Exeter differs from some larger insurers is that Health+ is sold only through financial advisers rather than directly, and it doesn’t offer certain extras like dental or optical cashback or self-referral direct-access routes. For cancer cover specifically, though, it’s very competitive, matching or exceeding what most competitors offer. The best approach is to compare cancer cover terms across insurers, not just the headline, since definitions and outpatient structures differ.