SAGA — Doing things properly

If you would like the extra reassurance of cover that goes beyond joint replacements, Saga Key Treatments is for you. The policy represents excellent value for money because, for just a few pounds a month extra, it adds cover for a wide range of conditions that commonly affect people aged 50 and over. These include:

• Joint replacements, including hips and knees
• Eye conditions, including cataracts
• Gall bladder removal
• Hernias
• Varicose veins

As with the Joints Replacement Plan, the additional conditions covered by Saga Key Treatments often incur NHS waits.

What Saga Key Treatments covers

Joint replacements

Like our Joints Replacement Plan, Saga Key Treatments includes cover for the renewal of hips, knees and wrists. The policy provides up to £900 of out-patient cover (£400 more than the Joints Replacement Plan), as well as full cover for scans.

Eye conditions, including cataracts

Cataracts are more common than many people realise – nearly two-thirds of people have the first traces by the age of 50.

Hernias

Hernias involve painful protrusions that affect the stomach and abdomen, so a long wait for treatment under the NHS is best avoided. By covering both inguinal and hiatus hernias, Saga Key Treatments can help you receive treatment much more quickly at a convenient hospital near you.

Gall bladder removal

The build up of small ‘stones’ in the gall bladder can result in abdominal pain. The condition often necessitates treatment and can involve the removal of the gall bladder. Nowadays, keyhole surgery is frequently used to make treatment as straightforward as possible, but a long wait can mean an uncomfortable delay.

Varicose veins

Remedial surgery for this uncomfortable condition is quick and effective, but may cost up to £2,000 per leg privately.

High levels of protection

With Saga Key Treatments, you can choose to receive the necessary treatment at any of a wide range of private hospitals, and scanning centres throughout the UK. You will also benefit from the many other perks of private healthcare.

As the table below illustrates, there is no maximum on how much you can claim each year for eligible in-patient and day-patient treatment. There is also up to £900 to cover out–patient consultations, diagnostic tests and physiotherapy linked to one of the specified conditions. Furthermore, CT, MRI and PET scans are covered in full. We also provide cover for any complications arising from related surgery.

	Benefits available	Notes
In-patient and day-patient treatment
Hospital charges		Using a hospital from the Saga Network of Hospitals.
Consultants'/specialists' fees*
Diagnostic tests
In-patient cover for complications resulting from treatment
Out-patient treatment
Consultants'/specialists' fees*	**
Diagnostic tests	**
Clinical practitioner charges	**	Including physiotherapy*
CT, MRI and PET scans		Covered in full
Other features
Out of network cash benefit		£50 per day
24-hour Health Information Line
* We will pay these fees in full, as long as they are in line with the level customarily charged for the treatment you are given. ** Up to a combined total of £900 for each insured member per policy year. Note: There is a £100 compulsory excess.

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