SAGA — Doing things properly

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

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

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

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, ECG, blood test and other routine pathology laboratory tests directly connected with the consultation.

Benefit will be paid at the applicable rate, 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.

Benefit is payable at the applicable rate, 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.

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.

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

Benefit will be paid at the applicable rate, 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.

Benefit will be paid at the applicable rate, 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.

Benefit is payable at the applicable rate, 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.

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

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.

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

• 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.