*These benefits have a combined limit of £2,000 per year, plus an additional £400 per year for post-operative therapist, physiotherapist and acupuncturist charges
**These benefits have a combined limit of £1,500 per year
FREE £250 M&S GIFT CARD
SAGA HEALTH INSURANCE
Start your new policy by the end of 28 May 2026.
T&Cs apply
Take our direct route to private treatment
- Get a referral from your GP or the Saga GP Service.
- Call the Claims Helpline to check you’re covered.
- Book in with a specialist at a convenient time and location.
- Have scans and tests and get the results quickly.
- Be treated in your chosen private hospital when it suits you.
M&S gift card terms and conditions
- This offer is available on new Saga Health Insurance policies only. It is not applied to any subsequent renewals.
- The start date for this offer is 00:01am 1 April 2026 and is available for new health insurance policies starting before 11.59pm on 28 May 2026, the start date of the policy must fall within these dates.
- If you qualify for this offer, details on how to claim your gift card will be sent by email to you between 60 and 90 days after your policy start date. Once received, you will have 60 days to claim your gift card.
- The gift card will only be approved and issued if your annual policy payment has cleared, or for monthly payers your second payment has been made, and in both cases you still hold the policy with us.
- The gift card may be subject to additional terms and conditions as determined by retailer, it is your responsibility to ensure you comply with these. The retailer of the gift card is not a sponsor of this activity.
- Saga is not liable for any gift card that is lost, stolen, or unused unless these are caused by our negligence.
- Gift cards are non-transferable, non-exchangeable and no cash alternative is offered; they are limited to one gift per policy. Saga reserves the right to amend or withdraw this offer without prior notice, and it cannot be used in conjunction with any other offers or discounts.
- The promoter of this offer is Saga Services Limited, registered in England and Wales (Company No. 732602). Authorised and regulated by the Financial Conduct Authority (FCA No. 311557). Registered office: 3 Pancras Square, London N1C 4AG.
- The fulfilment of the rewards is provided by VoucherSent, a brand of Optimise Media (UK) Limited, Exchange Street Buildings, 35-37 Exchange Street, Norwich, NR2 1DP (Company No. 4455319).
- Personal data supplied during the course of this promotion will only be processed as set out in Saga’s Privacy Policy. Saga will only share with Optimise the relevant information needed for fulfilment of the gift card. Details of Optimise’s Privacy Policy can be found on their website.
Choose from a range of health plans
Your hospital, your specialist, your choice. Saga Health Insurance offers a choice of plans that provide cover for hospital inpatient and day-patient services and a range of outpatient benefits.
| Benefits | Super | Secure | Saver Plus |
|---|---|---|---|
|
Outpatient consultations with a specialist and diagnostic tests |
No annual maximum |
Combined limit up to £2,000 per year* |
Combined limit of £1,500 per year** |
|
Outpatient practitioner and physiotherapist charges |
No annual maximum |
Combined limit up to £2,000 per year* |
Combined limit of £1,500 per year** |
|
Outpatient therapist and acupuncturist charges |
Up to £2,000 per year |
Combined limit up to £2,000 per year* |
Combined limit of £1,500 per year** |
|
Outpatient CT, MRI & PET scans |
No annual maximum |
No annual maximum |
One scan, plus unlimited follow-up scans within 8 months of related eligible in-patient or day-patient treatment or related eligible out- patient surgical procedure |
|
Outpatient cancer treatments including radiotherapy and chemotherapy |
No annual maximum |
No annual maximum |
No annual maximum |
|
Outpatient mental health treatment |
Up to £2,500 per year |
Up to £2,000 per year |
Up to £1,500 per year |
Who underwrites Saga Health Insurance?
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.
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