The Exeter also rank highly. WPA’s Flexible Health policy includes modular benefits, while The Exeter is praised for its support for pre-existing conditions. Aviva’s Healthier Solutions plan provides specialist referrals at competitive rates.

She chose Freedom Health, drawn by virtual GP access. Her monthly premium was £35, and she selected rehab services. Within two weeks, she had a scan—something she’d been told could take well into winter via the NHS.

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