TAILOR YOUR HEALTH INSURANCE

Extended Cancer Cover

All Saga HealthPlans offer cover for the surgical treatment of cancer, and all, except for Support cover radiotherapy and chemotherapy too. However, for greater reassurance Extended Cancer Cover can be added to all health plans except Support.

With this cover, you have access to drugs for the treatment of cancer where the drug has been licensed for use and is being used within the terms of that licence. This includes medical treatment to help prevent the recurrence of cancer or maintain remission.

Cover for pre-existing hypertension

Hypertension, or persistently raised blood pressure, can lead to serious medical problems such as a stroke or heart attack. Many insurers don't offer health insurance for hypertension or associated conditions if you already have hypertension when you join.

However, because our medical insurance is designed for the over 50s, for an additional cost, we can provide you with full cover if you currently have this condition – subject to two simple qualifying questions.

4-week wait

Choosing this option can reduce your premium significantly, making your health insurance even more affordable.

Saga is unique in offering a 4-week wait. Whilst some other insurers offer a similar option, this is on a 6-week wait basis, so it's more likely you'll be treated privately via Saga.

How it works...

Choose the 4-week wait option and you’ll be seen on the NHS if the in-patient or day-patient treatment you need is available within four weeks.

Out-patient consultations and diagnostic tests will still be available privately, up to the benefit limits of your chosen plan.

You can also claim £100 cash benefit for every night spent receiving eligible treatment in an NHS hospital, up to £2,000 per policy year (£150 per night, up to £3,000 per year for Saga HealthPlan Super).

If the NHS can’t see you within four weeks, you’ll get prompt access to private treatment.

There are also eight common conditions for which we'll provide immediate treatment, even if you choose the 4-week wait option. These are:

• We also offer a 6-week wait option which works in a similar way, except you'll be seen by the NHS if the treatment is available within six weeks. Unfortunately, this option is not available online so please call 0330 094 6361 for more information.

Guided Care

The Guided Care option is convenient and you'll normally be seen quicker than customers who obtain a named referral from their GP.

Here's how it works:

• Step 1: If a GP wants you to see a specialist, ask for an open referral (which states the type of specialist you need to see rather than naming a particular specialist). Find out more about referrals with Bupa
• Step 2: When you require treatment, we will support you by providing a choice of specialists to treat you
• Step 3: You can book your appointment with a specialist at a time and place that suits you. We can offer support when you book the appointment.