With Saga you can choose from three different underwriting methods, depending on whether you’re new to health insurance, or switching from another insurer or employer’s scheme.
Below will help you decide which underwriting method is right for your health insurance policy.
Moratorium is the method used for our health insurance online quotations. This means that no medical declaration is necessary. We’ll simply exclude treatment for any medical condition you or anyone on your policy has experienced in the last three years and, in some cases, certain specified conditions.
If you remain free from any advice, medication or treatment for an excluded condition for a continuous period of two years after your policy starts, we may then be able to offer cover for those medical conditions.
If you choose this option, you will complete a medical history declaration for you and any family members you wish to be covered. We'll speak to your doctor if necessary, take into account the history of any existing conditions and let you know whether we can cover you for them.
This option is available if you wish to switch from your current insurer and retain cover for your pre-existing medical conditions. This is dependent on your recent medical history and is subject to the terms and conditions of your new policy.
We are proud to offer five-star treatment every day with Saga Health Insurance. Our Super plan is 5-star rated by Defaqto.
Saga Health Insurance is a unique product designed by us specifically for our customers and it is only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high levels of quality, service and choice. That's why we offer a range of policies that can be tailored to suit your needs and budget.
There's plenty to explore and learn about our health insurance cover.
Health insurance gives you quick access to private healthcare for early diagnosis and prompt treatment.
One of the main benefits of Saga Health Insurance is choosing where you're treated, from a range of private hospitals.
Our glossary of health insurance terms explains the most commonly used words and phrases to make things as clear as possible.
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.
Private health insurance gives you more than you might expect. Find out how it can redefine your healthcare journey.
Tailor and improve your Saga Health Insurance policy so you can have the cover that's right for you.