Thank you for choosing Saga for your health insurance. You'll receive your renewal invitation with your new price by post around three weeks before your renewal date.
It's important to review your cover to make sure it still meets your needs. You might want to consider whether:
There's no need to wait for your policy or renewal documents to arrive by post as they're available to view online as soon as they're prepared.
Simply head to MySaga to view your policy documents or check your renewal price.
If you haven’t already, you can create a MySaga account to see your past quotes, current insurance policy documents, renewal notifications or manage holiday bookings.
As a Saga Health Insurance customer, you can view your policy documents, check your renewal invite and update contact preferences in your MySaga account.
View or download the policy books that relate to your Saga Health Insurance cover.
Saga’s registered address has changed since some of these policy books were issued.
The old registered address was:
Saga Services Limited, Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE.
As from 26 July 2023, the new registered address is:
Saga Services Limited, 3 Pancras Square, London N1C 4AG.
For customers who have chosen Saga HealthPlan Super.
For customers who have chosen Saga HealthPlan Secure.
For customers who have chosen Saga HealthPlan Saver Plus.
For customers who have chosen Saga HealthPlan Support. This plan is not available to purchase online.
For customers who have chosen the Saga Countrywide Hospital List or the Saga London Upgrade.
As soon as your GP refers you to a specialist, call our Claims Personal Advisory Team on 0800 027 1331
One of our advisers will be able to assist you regarding your cover and forward a claim form to you, if required.
When you have received your treatment we usually make payment directly to your hospital or specialist so you do not have to pay any bills yourself.
Visit how to make a claim to see a simple step by step guide.
If you need to be admitted to an NHS hospital for a condition covered under your plan, your Saga HealthPlan will pay you £100 for every night you spend as an NHS in-patient, up to a maximum £2,000 every policy year.
If you select our Super HealthPlan we will pay you £150 for every night you spend as an NHS in-patient, up to a maximum of £3,000 every policy year.
You have 14 days to change your mind from the date you purchase your policy or receive your membership pack, whichever is the later.
There are many ways you can reduce your premium whilst still maintaining a great level of cover.
Our unique 4-Week Wait and Fixed Fast Track cover options will give you a lower premium when selected. Plus, you can opt to increase the excess you have to pay if you make a claim which helps to reduce your overall premium without affecting your chosen level of cover.
Take a look at options to reduce your premium to find out more.
We will contact you by post at least 21 days prior to the date your policy is due for renewal.
You can renew your policy by calling 0800 056 9271
If you pay by Direct Debit, your policy will automatically renew without you having to do anything.
Like other health insurance providers, we regularly review our policies and their cost to ensure that we can continue to give you fast access to diagnosis and treatment. There are a number of factors taken into account when calculating your renewal price, including:
This year, the main impact on our pricing is the overall cost and increase in the number of health insurance claims.
The additional financial challenges facing our NHS has put further pressure on services resulting in longer waits, with operations being cancelled or delayed causing backlogs for hospital treatment. This means health insurance customers are more likely to use their private cover to avoid increasing NHS waiting times for in-patient treatment and non-urgent operations such as joint replacements or cataract surgery.
People have been relying more and more on their health insurance to provide these important procedures and help lighten the load on the NHS. As a result, we’ve had to increase our prices.
New drug therapies, treatments and procedures are becoming increasingly expensive and as a result some may not be available on the NHS. Health insurance generally gives patients access to more expensive treatment options if they're proven to be effective, and this again leads to increased use of health cover and increased costs for us.
As people grow older, they are more likely to require medical treatment, so this is also reflected in our renewal prices.
Your premium could also be affected if you make a claim, which reduces your No Claim Discount. Saga policies begin with a No Claim Discount that can increase to 60% over time, but each time you claim your discount is reduced until you reach zero. You can find full details in your Policy Book. However, for an additional payment and subject to your recent claims history, you can take advantage of our optional No Claim Discount protection, which allows you to make one claim without reducing your discount.
There's plenty to explore and learn about our health insurance cover.
Saga HealthPlans, Super, Secure and Saver Plus all provide the peace of mind that you have access to good, all-round cover for cancer every step of the way.
Tailor and improve your Saga Health Insurance policy so you can have the cover that's right for you.
Help for you to decide which of the three underwriting methods is right for your health insurance policy.
Our glossary of health insurance terms explains the most commonly used words and phrases to make things as clear as possible.
It's easy to switch your health insurance to Saga or set up a policy after a company scheme has ended.