Saga health insurance reviewsaga health reviews

  • Four plans to choose from
  • Up to 60% no claims discount
  • May accept pre-existing conditions - see below
  • Our independent review of the Saga Health Plan could help you decide whether it's the right plan.
In this review: We look at the benefits of a Saga health plan, the level of cover and whether they are competitive compared to the whole market

About Saga Health

Saga was formed in the 1950s. Initially concentrating on the over-50s leisure market, it has diversified over time and now offers a range of financial and insurance-related products to its clients.

The business was floated for the first time on the London Stock Exchange in May 2014 and its headquarters are in Folkestone, Kent.

Saga’s health insurance offering is provided by AXA PPP.

How much does Saga health insurance cost?

Company Monthly Premium Excess Get a quote
WPA £52.53 £250 Compare
Aviva (6 week NHS option) £40.96 £200 Compare
General Medical £93.00 £0 Compare
Vitality £57.71 £250 Compare
AXA £67.82 £250 Compare
Freedom £35.18 £250 Compare
Bupa £78.96 £200 Compare
CS Healthcare £69.92 £500 Compare
Saga £113.40 £250 Compare
Health-on-line (6 week NHS option) £39.96 £250 Compare
The Exeter £64.30 £250 Compare

Based on male non smoker aged 50 yrs of age - no health questions answered. This is for comparison purposes only & you should obtain a personal health quotation as policies do vary. Correct as at 31/03/2020

Saga health insurance options

Saga Health Insurance offers a selection from one of four plans.

Each of these delivers a range of benefits, depending upon whether you’re an outpatient or inpatient. The highest level of cover provision commences with Super and reduces to Secure, Saver Plus and Support - see below:

Super option

As with most policies of this type, the cover exists to help with conditions that arise after you have taken out a policy.  There are special provisions and exclusions that apply to pre-existing medical conditions and these would be discussed with you on a case-by-case basis.

The Super Option includes all of the benefits of the Support, Super Plus & Secure Options aswell as the following:

In-patient & day-patient treatment

  • In-patient psychiatric treatment

Out-patient treatment

  • Psychiatric treatment

Additional benefits

  • Major dental cash and dental injuries benefits

Secure option

This option of medical insurance comes with the same cover as the Saver Plus & Support Options plus the following:

Additional benefits

  • Ambulance transport
  • Recuperative care

Saver plus option

This option of medical insurance comes with the same cover as the Support Option plus the following:

Out-patient treatment

  • Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis
  • Consultations and diagnostic tests
  • Out-patient CT, MRI and PET Scans
  • Practitioner and Physiotherapist charges
  • Therapist, Homeopath and Acupuncturist charges

Additional benefits

  • Optional Extended Cancer Cover
  • Working Body Service (for muscle, bone or joint pain)
  • Second Opinion Service
  • Nursing at home

Support optionsaga health insurance reviews

The Support Option includes the following:

In-patient & day-patient treatment

  • Prompt access as a private patient
  • Surgeons’, anaesthetists’ and physicians’ fees
  • Accommodation costs
  • Practioner & physiotherapist charges

Out-patient treatment

  • Surgical procedures

Additional benefits

  • Optional Health Cash Benefits Cover
  • Fast Track Appointments Service
  • Saga GP Telephone Consultation Service
  • Saga Health Information Line

Saga Medical Insurance - other information

Switching a plan to Saga

According to Saga's own research between 2016 and 2017 98% of customers who switched to Saga Medical Insurance on average saw their premiums reduce by a third.

You could also benefit from a higher level of cover for the same costs - you should always check the details before switching.

When considering switching health insurance companies you should always check the level of cover at least matches what your existing policy has.

The following are typically excluded

Saga Health do not explicitly state which conditions are excluded. Instead, they refer potential customers to the ABI’s (Association of British Insurers) publication for guidance on this point.

As a general principle, it should therefore be assumed that their cover will exclude (this list is not exhaustive): 

  • Any regular monitoring or ongoing treatment of chronic (long-term) medical conditions. Examples of chronic conditions include diabetes, multiple sclerosis and asthma;
  • Treatment received outside the UK;
  • Emergency treatment;
  • GP consultations, except with a GP on their provider panel;
  • Pregnancy and childbirth;
  • Cosmetic treatment;
  • Organ and whole-body part transplants;
  • Experimental or unproven drugs, treatment or practices;
  • Treatment related to developmental problems such as learning difficulties and speech disorders;
  • Treatment for obesity;
  • Treatment provided by a consultant, therapist or complementary medicine practitioner not recognised by Saga Health;
  • Pre-existing conditions (unless otherwise approved). 

The actual list of exclusions would be provided as part of policy sign-up and should be looked at closely.

Will Saga accept you if you have existing medical conditions?

Saga Health typically do not use a health questionnaire relating to pre-existing medical conditions.

Instead, they operate the “Moratorium Plan” whereby any pre-existing conditions may be taken under cover after a period of three years if you have not been treated for or investigated with respect to, the said conditions during that period of time.

Is a Saga health insurance plan right for me?

  • Policyholders can take advantage of discounted travel, leisure and retail services
  • Easy transfer of existing policies – including potentially some benefits and adoption of cover for pre-existing conditions
  • Very affordable “entry level” cover provisions (details typically only available by phone)
  • A highly flexible and modular/customisable product
  • Lower Moratorium period (3 years) than with some other providers.

How to get a Saga health insurance quote

You can go direct to Saga Health or you can use our comparison service through our partner First Choice Health & Protection, who will look at the whole of market for you offering the same plans, but ensuring that you get advice on all providers plans that suit your circumstances and budget.

Or you can take a look at other health insurance reviews to compare before getting quotes.

Our advice

Whilst Saga have a comprehensive range of options our advice is to always compare the market and speak to an adviser who will find the best deal to suit you

Our service through First Choice Health & Protection is free to use

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Updated 2nd April 2020 by Ashley Shepherd

Ashley is the founder and managing director at Over50choices. With over 30 years’ experience in financial services, he has held senior roles in building societies, banks and insurance companies.

Ashley Shepherd

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