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Saga Health Insurance offers a choice of four health plans, each providing cover for hospital in-patient and day-patient treatment and care. The amount of out-patient cover and additional benefits varies between health plans, shown in our plan comparison table below.
Get a quote and see how the prices of the different Saga HealthPlans compare.
There are options to improve your cover such as Extended Cancer Cover, Health Cash Benefits, Pre-Existing Hypertension cover and Protected No Claim Discount.
Saga HealthPlan Support is only available over the telephone. For more information please call 0330 094 6361.
The cover detailed below is for Saga Health Insurance policies starting on or after 1 December 2023. If your policy started before 1 December 2023, please refer to your policy documents.
| Benefits | Super | Secure | Saver Plus | Support |
|---|---|---|---|---|
| In-patient and day patient treatment | ||||
|
Prompt access as a private patient
|
||||
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Surgeons', anaesthetists' and physicians' fees
|
||||
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Accommodation costs
|
||||
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Operating theatre and nursing costs
|
||||
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Treatment of mental health conditions
|
†
|
†
|
†
|
|
| Out-patient treatment | ||||
|
Surgical procedures
|
||||
|
Consultations with a specialist and diagnostic tests
|
†
|
†
|
||
|
Practitioner and physiotherapist charges
|
†
|
†
|
||
|
Therapist and acupuncturist charges
|
†
|
†
|
†
|
|
|
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis
|
||||
|
CT, MRI and PET scans in a scanning centre listed in the Saga Countrywide Hospital List
|
*
|
|||
|
Specialist consultations and diagnostic tests for mental health treatment
|
†
|
†
|
†
|
|
| Additional details | ||||
|
NHS cash benefit for up to 20 nights per year
|
†
|
†
|
†
|
†
|
|
Home nursing following eligible in-patient treatment (on specialist recommendation)
|
†
|
†
|
†
|
|
|
Recuperative care following eligible in-patient treatment
|
†
|
†
|
||
|
Ambulance transport (on specialist recommendation)
|
||||
|
Major dental cash benefits for specified dental procedures
|
†
|
|||
|
Dental injuries benefit
|
†
|
|||
|
External prosthesis benefit
|
†
|
†
|
†
|
†
|
|
MSK Direct Access
|
||||
|
Second opinion service
|
||||
|
Saga GP service
|
||||
|
Anytime Healthline
|
||||
|
Cancer Care Team support
|
||||
|
Mental Health Direct Access
|
||||
†These benefits have an upper limit on the amount you can claim. For more information about the specific benefits, limits and exclusions, please see each individual Saga HealthPlan below.
*One CT, MRI or PET scan. Unlimited follow-up scans performed within eight months after related, eligible in-patient or day-patient treatment, or a related out-patient surgical procedure.
Saga Health Insurance is a unique product designed by us specifically for our customers and it is only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high levels of quality, service and choice. That's why we offer a range of policies that can be tailored to suit your needs and budget.
Our best level of protection for eligible in-patient and day-patient cover. Saga HealthPlan Super offers unlimited cover for eligible out-patient treatment including consultations, diagnostic tests, scans and physiotherapy.
Super also includes up to £2,000 a year for therapist (osteopath/chiropractor), acupuncturist charges, treatment of mental health conditions, the use of a private ambulance, home nursing, recuperative care and even assistance towards some major dental work.
| Benefits | Saga HealthPlan Super |
|---|---|
| In-patient and day patient treatment | |
|
Hospital charges for treatment in a hospital listed in the Saga Countrywide Hospital List
|
|
|
Specialist fees and diagnostic tests*
|
|
|
Treatment of mental health conditions
|
Up to 28 days per year
|
| Out-patient treatment | |
|
Surgical procedures
|
|
|
Consultations with a specialist, diagnostic tests, practitioner and physiotherapy charges*
|
No annual maximum
|
|
Practitioner and physiotherapist charges*
|
No annual maximum
|
|
Therapist and acupuncturist charges*
|
Up to £2,000 per year
|
|
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis
|
No annual maximum |
|
CT, MRI and PET scans
|
No annual maximum
|
|
Treatment of mental health conditions
|
Up to £2,500 per year
|
| Additional benefits | |
|
NHS cash benefit for up to 20 nights per year
|
£150 per night, up to £3,000 per year
|
|
Nursing at home
|
Up to 13 weeks per year
|
|
Recuperative care
|
Up to £2,000 per year
|
|
Private ambulance
|
|
|
Major dental cash benefits for specified dental procedures
|
Up to £1,500 per year
|
|
MSK Direct Access
|
|
|
Second opinion service
|
|
|
Saga GP service
|
|
|
Anytime Healthline
|
|
|
Cancer Care Team support
|
|
|
Mental Health Direct Access
|
|
*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of benefits, please refer to the HealthPlan Super policy book.
Prompt access to in-patient and day-patient treatment and benefits including up to £2,000 towards out-patient consultations and diagnostic tests.
There's cover for a range of practitioner and therapist charges including an extra £400 towards post-operative treatment.
You will also receive full cover for out-patient CT, MRI and PET scans plus a wide range of cover features as laid out in the table below.
| Benefits | Saga HealthPlan Secure |
|---|---|
| In-patient and day patient treatment | |
|
Hospital charges for treatment in a hospital listed in the Saga Countrywide Hospital List
|
|
|
Specialist fees and diagnostic tests*
|
|
|
Treatment of mental health conditions
|
Up to 28 days per year
|
| Out-patient treatment | |
|
Surgical procedures
|
|
|
Consultations with a specialist, diagnostic tests, practitioner, therapist, physiotherapist and acupuncturist charges
|
Up to £2,000 per year
|
|
Additional post-operative out-patient physiotherapist, therapist, and acupuncturist charges for treatment received after related eligible in-patient and day-patient treatment or a related eligible out-patient surgical procedure.
|
Up to £400 per year
|
|
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis.
|
No annual maximum
|
|
CT, MRI and PET scans.
|
No annual maximum |
|
Treatment of mental health conditions
|
Up to £2,000 per year
|
| Additional benefits | |
|
NHS cash benefit for up to 20 nights per year
|
£100 per night, up to £2,000 per year
|
|
Nursing at home
|
Up to 13 weeks per year
|
|
Recuperative care following eligible in-patient treatment
|
Up to £1,000 per year (maximum 30 days per year)
|
|
Private ambulance
|
|
|
MSK Direct Access
|
|
|
Second opinion service
|
|
|
Saga GP service
|
|
|
Anytime Healthline
|
|
|
Cancer Care Team support
|
|
|
Mental Health Direct Access
|
|
*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of benefits, please refer to the HealthPlan Secure policy book.
Saver Plus includes prompt access to in-patient and day-patient treatment
There's up to £1,000 towards out-patient treatment and cover for one out-patient scan.
Plus unlimited scans within 8 months following related eligible in-patient or day-patient treatment, or after a related eligible out-patient surgical procedure.
You will also have access to the Saga GP Service and Second Opinion Service.
| Benefits | Saga HealthPlan Saver Plus |
|---|---|
| In-patient and day patient treatment | |
|
Hospital charges for treatment in a hospital listed in the Saga Countrywide Hospital List
|
|
|
Specialist fees and diagnostic tests*
|
|
|
Treatment of mental health conditions
|
Up to 28 days per year
|
| Out-patient treatment | |
|
Surgical procedures
|
|
|
Consultations with a specialist, diagnostic tests, practitioner, therapist, physiotherapist, and acupuncturist charges*
|
Up to £1,000 per year
|
|
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis.
|
No annual maximum
|
|
CT, MRI and PET scans.
|
One scan per year
|
|
CT, MRI and PET scans within 8 months following related eligible in-patient or day-patient treatment, and related eligible out-patient surgical procedures
|
No annual maximum
|
|
Treatment of mental health conditions
|
Up to £1,500 per year
|
| Additional benefits | |
|
NHS cash benefit for up to 20 nights per year
|
£100 per night, up to £2,000 per year
|
|
Nursing at home
|
Up to 2 weeks per year
|
|
MSK Direct Access
|
|
|
Second opinion service
|
|
|
Saga GP service
|
|
|
Anytime Healthline
|
|
|
Cancer Care Team support
|
|
|
Mental Health Direct Access
|
|
*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of benefits, please refer to the HealthPlan Saver Plus policy book.
This plan includes prompt access for eligible in-patient and day-patient treatment, a choice of private UK hospitals from our extensive list and 24 hour access to the Saga GP Service.
To make Saga HealthPlan Support even more affordable, this plan offers no out-patient cover and covers only the surgical aspects of cancer treatment. All other aspects, including chemotherapy, would need to be treated on the NHS.
Saga HealthPlan Support is only available over the telephone. Please call 0330 094 6361 for more information.
| Benefits | Saga HealthPlan Support |
|---|---|
| In-patient and day patient treatment | |
|
Hospital charges for treatment in a hospital listed in the Saga Countrywide Hospital List
|
|
|
Specialist fees and diagnostic tests*
|
|
| Out-patient treatment | |
|
Surgical procedures
|
|
|
Surgical treatment of cancer
|
|
| Additional benefits | |
|
NHS cash benefit for up to 20 nights per year
|
£100 per night, up to £2,000 per year
|
|
Saga GP service
|
|
|
Anytime Healthline
|
|
|
Cancer Care Team support
|
|
For more information about our health plans, simply call our friendly, UK-based team. Alternatively, you can get a quote for Saga HealthPlan Super, Secure and Saver Plus online in minutes.
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There's plenty to explore and learn about our health insurance cover.
Health insurance gives you quick access to private healthcare for early diagnosis and prompt treatment.
It's easy to switch your health insurance to Saga or set up a policy after a company scheme has ended.
The Saga GP Service offers unlimited access to telephone GP appointments - 24 hours a day, 365 days a year.
We explain the basics about getting health insurance so you could go private for medical treatment.
Want to know more? Here are the answers to the questions we're asked most often about our health insurance.
Tailor and improve your Saga Health Insurance policy so you can have the cover that's right for you.
Help for you to decide which of the three underwriting methods is right for your health insurance policy.
Our glossary of health insurance terms explains the most commonly used words and phrases to make things as clear as possible.
One of the main benefits of Saga Health Insurance is choosing where you're treated, from a range of private hospitals.
Visit our membership handbook page for useful information on making a claim, including how and when to contact us.
Saga HealthPlans, Super, Secure and Saver Plus all provide the peace of mind that you have access to good, all-round cover for cancer every step of the way.
If you already have Saga Health Insurance and need to check your documents, make a claim or change your details, visit our existing customers page.
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