*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
SAGA HEALTH INSURANCE
3 MONTHS FREE
Plus a £125 Totally Rewards Wellness Gift Card.
Buy your new policy by the end of 19 February 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.
Health offers terms and conditions
3 months free terms and conditions
New customers get the first 3 months of a Saga Health Insurance policy free, subject to the following terms and conditions:
- The 3 months' free offer is available only to people over 50, who take out a new health insurance policy direct from us.
- This offer starts on 29 December 2025 and is available for new health policies starting before 11.59pm on 19 February 2026.
- The offer is only available in the new customer’s first policy year. It cannot be redeemed against existing policies and is not valid for renewals.
- The new policy must be held for at least 12 months.
- Payments for the first policy year must be made by monthly Direct Debit.
- This offer cannot be used alongside any other discount.
- Saga reserves the right to amend or withdraw this offer without prior notice at any time.
Totally Rewards Wellness 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 12:01am on 29 December 2025 and is available for policies purchased before 11:59pm on 19 February 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 90 and 120 days after your policy start date. A letter can be sent with these details upon request. 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 first payment has been made. In both cases, you must still hold the policy with us.
- The gift card may be subject to additional terms and conditions as determined by the retailer – it is your responsibility to ensure you comply with these. The gift card expiry will be determined by the retailer and therefore may vary depending on the gift card. The retailers of the gift cards are not a sponsor of this activity.
- By taking advantage of this offer, you agree that Saga is not liable for any loss, damage or personal injury whatsoever suffered or sustained in connection with this offer or use of the gift. Saga is not liable for any gift 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.
- The promotor 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, United Kingdom, N1C 4AG
- The fulfilment of the gift card is provided by: TLC Worldwide, registered in England and Wales (Company No. 10797286). Registered office: 54 Baker Street, London, W1U 7BU
- Personal data supplied during the course of this promotion will only be processed as set out in Saga’s Privacy Policy. Saga will not share any customer data with TLC Worldwide. However, you will be required to share with them the relevant information needed for fulfilment of the gift card. Details of TLC Worldwide’s Privacy Policy can be found here.
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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