Exeter Friendly Society

Excellent support for both of us in our times of need. They have paid for us to have numerous major operations including heart surgery, lung surgery and other procedures both large and small without quibble. In addition we received a 'cash sum' following 20 days in an NHS hospital after a stroke. We pay for full cover and have always kept The Exeter fully informed and so therefor have experienced a wonderful and totally reliable service.

SB and PB. Herefordshire.

I was diagnosed with arthritis of the left knee beginning of this year 2016, by September I had a total knee replacement,so before my operation I phoned the Exeter on numerous occasions to verify I was covered by my insurance,there reply ( yes you are no problem), after the first month of my claim I received a letter stating that the previous year I had seen the GP about my left knee and not disclosed this on the form, my explanation was that I twisted my left knee and and went to my GP for some pain killers/ibuprofen at no time was I diagnosed with arthritis, but because I didn't disclose this on the form I was refused payment, when I phoned the company to explain they told me I should have disclosed this on the form,I explained that I also had a bad back the same year and went to see my GP, only to be told that I should had disclosed this on the form as it would have voided my claim,what a bad back and arthritis of the left have in common I'm not sure?, but the ironic thing is when I phoned them to explain why they rejected my claim they gave me an alternative, stay with the Exeter and carry on paying or cancel my subscriptions and pay the monies back they paid me,but they told me they would refund my previous payments to them of £120.00 a month still leaving me out of pocket.

The moral of this story is....... do not join the Exeter Family if you have EVER been to the doctors for ANYTHING as they will find a way of trying to get out of paying YOU!!!

roen dealing with this Exeter/fos for over a year , re a claim , had the policy for 20 years no claim, had a sick note provided form my doctor, cause I did light work for a few days when my doctor has provided provided proof that I could work and understood I could not close my business down this would cause more illness, Exeter have refused claim sent a private investigator into my business who has no medical experience nor told truths.

The FINANCIAL OMBUDSMAN SERVICE (FOS) have been awful their adjudicators and ombudsmen and the independent assessor who is not to be trusted have allowed a false misleding and complete failure to agree any remedy to the issues. As a result of the distress caused by Exeter unbeknown at the time the claim was made It has now been highlighted that I have a 3 blocked arteries the LAD was 100% blocked and tests over several months identified that this added to the illness reported which was genuine I April 2015, the FOS have concluded an investigation never involved me not waitied for evidence from my doctor to disprove Exeters claims that with a sick note I am not allowed to work, which is nonsense. I agreed with my doctor I needed rest which I would have been able to take as the policy covered an amount of money for this situation if illness ever was encountered.

The FOS have now forwarded the complaint I have made regarding the adjudicator to an ombudsman and I would appreciate hearing from any person who has experienced similar tactics, this firm is not to be trusted and evidence supports that they have caused my heart attack via needless distress and anxiety causing blocked arteries, I have since suffered a massive heart attack and had several stents fitted in one artery. It is clear that this is a sham and a complete scheme to avoid paying for treatment and so I may recover , do not use this firm I have been in business for 35 years and this firm are one of the worst I have ever come across, they will be taken to a court de jure by me when all evidence is gathered to make sure other people are never abused by this firm ever again, they need shutting down, the FOS are clearly protectors of the system , funded by the crown corporation of London and like all government departments they are corrupt as we hear daily the disservice of the corporation. The courts judges should not be trusted and make sure you do not employ an solicitor as they are officers working for the corporation courts not for your benefit. make sure you claim a criminal tort against your common law rights as this has affected your flesh and blood health and is criminal action displayed by Exeter. Make sure a jury hearing therefore takes command of a hearing not a pretend judge as there have been no real judges in this country since 1889, I also state that you need to be wary of a star chamber court/admiralty court (magistrates court) as they are dealing with cestui que vie trust law and you need to be aware of the deception to swap roles with you to be beneficiary of the trust that was created by the corporation and held at the treasury, totally in deception from what you believe your birth certificate to mean and the game the courts play, look at how they deceive you carefully to get you to agree you are this fictional person to swap roles and you condone a commercial law when the country is governed by common law , the rules of law. You need to establish who are the administrator, adjudicator, remember you will always be the beneficiary, make only a special appearance and always have a jury trial and do it yourself a solicitor is not to be trusted. I will respond again to let you know more of the outcome of Exeter and the fraudulent deceitful FOS CORPORATION BODY PROTECTOR. I simply cannot sit back and understand the law, common law not statutes and acts of parliament which only hold the force of law if you tacitly agree to the legalease language used by the courts to deceive you from realising your common law rights which is what brexit is really about, thank god were out and if the public knew the real truth there would be an uprising.

I have had medical insurance with this company for 2 years without any kind of claim. I had to make a claim for a hernia repair and was referred by my GP. The day before my operation, having called the company 5 times, I was told my claim had been denied due to undisclosed medical condition. This was and angiogram I had 2 years prior which proved my heart was fit and well and I have never has any kind of medication or treatment before or since for heart problems. I had a scan prior to this which showed possible heart problems but the angiogram cleared me in all respects

The Exeter is saying they are basing the decline on the fact my scan showed a potential problem NOT the angiogram. I have been fighting them on this for weeks, I contacted the Chief exec and three weeks later I am still waiting. I was seen by Heart specialists at Basildon, the UKS most advanced heart unit as I live close by. This Company is truly dreadful in every respect, they have been polite on the phone but that's all/. I was told to cancel my operation or self fund. Having been in contact they are refusing my claim but have offered ALL my premium's back, very odd as they say they have done nothing wrong. I am appalled by them, the way they treat people and the lack of caring, despite paying £180.00 per month to them. AVOID AT ALL COST OR YOU WILL BE SORRY,As I write I am still waiting for a letter, three weeks after my latest phone call to them, and there have been many as thy never ring back.

What a sad way to run a company is all I can say

I took out health insurance with this company as I thought I was purchasing a comprehensive package with excellent customer service. The cost of the policy was far higher than other companies but I though it was worth paying the extra just in case I ever did need to make a claim as I want to feel that we would be looked after.

Unfortunately I did have to make a claim. The response time is extremely slow. They quote 5 working days to tell you if they will provide cover, they often exceed this. Other health insurance I have had give approval there and then on the phone. I am surprised they quote working days as when someone had a health concern surely every day counts. Some health insurance companies work 7 days a week.

I needed a scan and follow up appointment, by the time the letter came though authorising this, I had had the scan and the follow up appointment. I felt so ill at the time that I though even if they will not cover it I need to have it done. It look 17 WORKING days for them to write to me with the approval.

Another thing they did; they told me to go to a first consultation and then they would see if they would cover me! They did end up covering me but I then had to wait a further 5 working days to see if they would cover the additional follow up that I needed. It took longer than the 5 working days to get in touch with me.

This company really do not understand that this is peoples lives they are messing with. They should be ashamed of themselves. I have already moved the rest of my families health insurance to another company as this company can not be trusted.

I would strongly recommend using a different health insurance company and specifically one who work 7 days a week, who will give approval quickly, who do not make you wait an excessive amount of time when you need a new consultation / treatment for the same problem.

This company are playing at providing health insurance, they are a small, inexperienced, incompetent company, please avoid at all cots. If I could give them zero stars I would.

This company is an utter waste of your time and money. They are only friendly when you initially contact them to discuss taking out a policy. And a very expensive one at that.

My mother and I recently secured a mortgage, and as terms of that mortgage we had to take out an insurance policy. We contacted Exeter and set up a basic policy so the mortgage would go through, though this still cost just short of £100 per month. And what did we get in return, when she needed it most? NOTHING. She was later diagnosed with lung cancer, and as a result was granted sick leave from work to go through treatment and recover. Her wonderfully supportive employer paid her in full for 6 months, hence it was only month 7 she tried to claim, a measley £700 per month (just about enough to cover the mortgage). They DECLINED. Accusing her of knowing she was ill when she took out the policy. If this was the case, SURELY she would have got insured through the nose, not for a poxy £700 which doesn't even cover half the bills, let alone enough money to live. Absolute disgrace. As if she has not been through enough already, they have caused her, and the family, so much stress, after probably the worst year of her life. And ours.

We are taking this further, and hopefully they will be investigated. Up until that point, I am warning you to stay away..

Are we surprised that Exeter Family Friendly, have now dropped the 'Family Friendly' section to their name?

Once their expensive premiums were matched by their brilliant customer service…….the last Exeter person that I spoke with practically barked at me down the phone

Having been told that A Manager would call me back in response to a complaint….some 4 days have gone by and no one has contacted me

Is it not possible that when Exeter's customers are calling them, it is because some of those customers may have been given bad news by their doctor???? Can the people manning their call centers not be a little kinder and less defensive

Go elsewhere ….those high premiums are now not worth it

I had an issue with noise in my ears - it came on suddenly and effected my sleep.

Saw my GP and he couldn't have been less helpful. "Nothing we can do" he said during the 2 minute appointment.

I really felt he simply had better things to do with his time than listen to patients.

So I thought it would be worth seeing an ENT as a self referral - just to get to spend a little more time to investiate what might be the problem.

I was aware it might be true nothing could be done - but worth finding out.

If it was more serious I assumed I could then go back to my GP and tell him a consultant feels this needs treatment.

And that I could then be referred and treatment needed paid for.

I spoke to Exeter Family Friendly and was told if I saw a consultant and paid for it myself - I could then never claim for any health issues discovered - even if serious and life threatening!

I asked "What about if I then went back to my GP and told him of what was found - could they then refer me for treatment?".

"No most definitely not" - even if a serious medical condition was found and the GP then referred me I could never claim under my insurance because I had seen a consultant first about the condition.

It made me aware you are very reliant on a good and friendly GP being willing to refer you in the first instance. And also on being able to see them - there's a 4 week wait where I live.

I suspect this is not unique to Exeter Family Friendly. But be aware if you can't get to see your doctor or if the doctor is unhelpful - you won't be able to make a claim via Exeter Family Friendly.

I understood I was authorized for a consultation and diagnostics and went ahead. They then refused to pay siting pre-existing condition as an excuse when in fact I couldn't have associated the symptoms with a pre existing condition. On a separate occasion they decided that osteopathy which is "unlimited" was treating a chronic condition which it was NOT. and did not want to authorize any further sessions

KEEP WELL AWAY FROM EXETER FAMILY FRIENDLY

They are devious unaccommodating and unhelpful

Please do not go with Exeter Family Friendly. The excess that you pay comes out of your amount of claim and that reduces what was £1000 for Outpatients to £750. Could be clearer on the certificate of cover. You will then get error after error on any paperwork. I was quoted £300 for blood tests and charged £905 by the hospital and that was paid without speaking to me first. In fact I was faced with the £450 outstanding to pay as there was only £450 left on my claim. The hospital let me off the £450 as they couldn't find the paperwork they insisted I had signed to agree to the test. However, because the insurance company paid the amount I was left with no money left on my claim. I now have to wait for the NHS to treat me. The only diagnosis that has been any good to me was a scan that showed I had Osteopenia. The insurance company refused to pay for that as it is considered Preventative and not Diagnostic. Read the small print. Read the small print. Read the small print.