A summary of the tax-free benefits

Please see a summary of the tax-free benefits below. For more information please call 0800 096 4085 quoting reference: ITHCP

Dental care

Benefit will be paid at the applicable level, up to the maximum benefit per eligible person in each benefit year.

Optical care

Benefit will be paid at the applicable level, up to the maximum for each eligible person in each benefit year. This benefit applies to sight tests, spectacles, contact lenses, (not solutions or optical care plans) and laser eye surgery at an approved clinic.

Hearing aid

Benefit is payable at the applicable level, up to the maximum per eligible person in each benefit year, for new hearing aids supplied by a registered hearing aid dispenser.

Health consultations

Payable per eligible person for diagnostic consultations with a medical or surgical specialist holding consultant status, in an NHS or registered private hospital. Benefit is also payable for x-rays, ECGs, blood tests and other routine pathology laboratory tests directly connected with the consultation.

Therapy and complementary therapy benefits

Benefit will be paid at the applicable level, up to the maximum benefit per eligible person in each benefit year for physiotherapy, osteopathy, chiropractic treatment, chiropody, acupuncture and homeopathy. The practitioner must be registered with an approved professional organisation recognised by Saga.

Hospital day-case surgery

Benefit is payable at the applicable level, per eligible person up to 10 occasions in each benefit year, following admission for scheduled surgery performed under anaesthetic, in an operating theatre. Out-patient treatment is not included.

Hospital in-patient

This is payable per eligible person on discharge from an NHS or registered private hospital. A maximum of 100 days' benefit may be claimed in each benefit year, however, any single period of hospitalisation, even those involving stays in more than one hospital, is subject to a maximum of 20 nights benefit. Claims for treatment outside the EU, rehabilitation, geriatric and psychiatric treatment, are subject to a 20 night maximum.

Recuperation grant

Payable once in each benefit year per eligible person, following a stay in hospital of at least 10 consecutive nights.

Home help

Benefit will be paid at the applicable level, up to the maximum per eligible person in each benefit year, from home help services provided by a Local Authority or an agency contracted directly by a Local Authority.

Home nursing

Benefit will be paid at the applicable level, up to the maximum per eligible person in each benefit year, in respect of home nursing by a state registered nurse supplied by a registered agency on the recommendation of the patient's doctor.

Health screening

Benefit is payable at the applicable level, up to the maximum per eligible person in each benefit year, for health screening undertaken by medically qualified staff for wellwoman, wellman, mammography, osteoporosis and heart disease screening.

Allergy testing

Benefit is payable at the applicable level, up to the maximum per eligible person in each benefit year, in respect of allergy testing carried out at an allergy clinic.

Accidental death benefit

Benefit is payable if the person insured dies as a result of an accidental bodily injury. This benefit is not available to children under the age of 18.

Telephone helpline

24 hour, 365 days a year. Free helpline which provides general medical information, counselling and legal advice.

What is not covered?

There is a 13-week qualifying period from when you join before you may claim any benefit under the plan, unless you have a cover plan with another provider.

If you, or a person you wish to be covered, has an existing medical condition please declare it on the application form. You will not be able to claim hospital related benefits for treatment of the condition for a period of two years from joining.

 

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Summary of benefits