No Claim Discount Protection
Up to 50% No Claim Discount
With a Saga HealthPlan you automatically receive a starter discount of 30% No Claim Discount (Level 4 on the scale below). Then, for every subsequent year that you do not claim, your discount rises by 5% until you reach a maximum discount of 50%. If you do make a claim, you simply move back two levels on the scale. No matter how many claims you make, you will never fall below Level 0.
| Level | 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| Discount | 0% | 10% | 20% | 25% | 30% | 35% | 40% | 45% | 50% |
Optional No Claim Discount Protection
Saga HealthPlans offer No Claim Discount Protection. This allows you to make one claim without affecting your No Claim Discount. If you remain claim–free you still go up the No Claim Discount scale until you reach the maximum. It is available for an additional premium to all customers on our moratorium or full medical history underwriting terms. Unlike other providers that offer a No Claim Discount scheme, our protection allows you to budget for, and alleviate, future premium increases if you make a claim.