Health insurance uses words and phrases that most of us never normally use or have to understand. This list explains what some of them mean.
For a comprehensive list of health insurance terms with detailed explanations, see our policy book.
A disease, illness or injury which has one or more of these features:
Someone who goes into hospital or a day-patient unit for treatment but doesn't need to stay in overnight.
The amount of money you've agreed to pay towards your claim. Excesses are payable only once per person, per policy year, no matter how many times you claim. Learn about your excess options with Saga.
Someone who goes into hospital for treatment and needs to stay overnight or longer.
This is a discount you get on your premium when you renew if you have not made a claim in the previous year.
You can pay extra to keep your No Claim Discount after one claim. Find out more about No Claim Discount Protection.
To see a specialist or consultant, you need a referral letter from your GP. These letters often name the specialist the GP wants you to see. An open referral is when a GP says what type of specialist you need instead, such as skin or eye specialist.
Someone who goes to a hospital or out-patient clinic for an appointment with a doctor or specialist. Not a day- or in-patient.
A practising member of certain professions allied to medicine who, in all cases, meets our recognition criteria for benefit purposes in their field of practice and who we have told in writing that we currently recognise as a practitioner for benefit purposes.
When such persons provide such services to you as part of your in-patient or day-patient treatment those services will form part of the private hospital charges. The professions concerned are dieticians, nurses, orthoptists, speech therapists, audiologists, psychologists and psychotherapists.
A medical practitioner with particular training in an area of medicine (such as consultant surgeons, consultant anaesthetists and consultant physicians) with full registration under the Medical Acts, who meets our criteria for specialist recognition and benefit purposes, and who we have told in writing that we currently recognise as a specialist or benefit purposes in their field of practice.
Surgical or medical services (including diagnostic tests) that are needed to diagnose, relieve or cure a disease, illness or injury.
When you take out a Saga HealthPlan, you can choose from three different underwriting methods. Read more about underwriting methods.
There's plenty to explore and learn about our health insurance cover.
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.
The Saga GP Service offers unlimited access to telephone GP appointments - 24 hours a day, 365 days a year.
It's easy to switch your health insurance to Saga or set up a policy after a company scheme has ended.
Visit our membership handbook page for useful information on making a claim, including how and when to contact us.
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.
If you already have Saga Health Insurance and need to check your documents, make a claim or change your details, visit our existing customers page.
Private health insurance gives you more than you might expect. Find out how it can redefine your healthcare journey.
Health insurance gives you quick access to private healthcare for early diagnosis and prompt treatment.