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Health Insurance

Saga has over 30 years' experience of providing fast access to diagnosis and private treatment for the over 50s.
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Health insurance for the over 50s

Why get covered?

Health insurance gives you quick access to private healthcare for early diagnosis and prompt treatment.

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Switching provider
It's easy to switch your health insurance to Saga or set up a policy after a company scheme has ended.
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Compare health plans

We offer a choice of four health plans, each providing cover for diagnosis and prompt hospital treatment.

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Choice of hospitals
One of the main benefits of Saga Health Insurance is choosing where you're treated, from a range of private hospitals.
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Saga GP Service
The Saga GP Service offers unlimited access to telephone GP appointments - 24 hours a day, 365 days a year.
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Existing customers
Already have Saga cover and need to check your documents, make a claim or change your details?
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Reasons to choose Saga Health Insurance

  • Saga GP Service – speak to a doctor 24/7, 365 days a year
  • Choose from four health plans to suit your needs and budget
  • Options to improve your cover or lower your premium
  • Extensive network of private hospitals nationwide
  • More than three decades of experience providing health insurance cover in the UK.

Saga Health Insurance is a unique product designed by us specifically for our customers and it is available through us. Together with our underwriter, AXA PPP healthcare 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.

What is health insurance and is it worth it?

Having private health insurance means that if you develop a problem with your health, you’ll be able to get a prompt diagnosis and receive treatment quickly. Following a GP referral, where necessary, using your private medical insurance to access tests or scans can help you get results more quickly.

Depending on your plan, you’ll be able to have eligible treatment as an out-patient, day-patient and in-patient, at a time and place of your choosing. Health insurance gives you freedom and flexibility.

If you do need a hospital stay, you’ll usually have a private room with all the mod-cons so you can rest up and get better in comfort. There are usually more flexible visiting hours and free car parking so your friends and family can generally visit any time.

New to health insurance? Find out more

To find out what our health insurance costs, get a quote.

Saga Health Insurance reviews

We are delighted that our customer service was rated 9.2/10, on average, based on 300 new customers surveyed between August 2020 and July 2021. Here's what a sample of our existing customers have to say:

“I love the fact that it is always easy and straight forward to deal with Saga.”
Mrs Engel, from Hertfordshire.

Our Trustpilot score is based solely on customer reviews and is a combined score for all our insurance products.

Additional cover benefits included as standard

Saga HealthPlans also include additional services that can provide you with valuable extra support, even if you don't need to make a claim. Our aim is to get you back to normal life as quickly as possible.

Cover benefits include:

We know that being diagnosed with cancer can lead to some very difficult times. That's why we want to take away as much of the stress and worry as we can. With a Saga HealthPlan you have access to our team of experienced and dedicated healthcare professionals, who will support you and your family through the challenges you may encounter during treatment.

If you are diagnosed with cancer you will be referred to one of our specialist nurses in our Cancer Care team. They will be able to provide information on the treatment options open to you and dedicated support throughout your treatment.

If your treatment is eligible under the policy as a private patient, but after discussion with the Cancer Care nurses you choose to have NHS treatment instead, our specialist nurses can also offer other services to support you financially whilst you receive NHS cancer treatment, for example domestic help or assistance with travel costs to and from the hospital. They can also signpost you to relevant support services available through other organisations such as cancer charities.

Saga GP Service

One of the benefits of taking out Saga Health Insurance is that you can use our GP service for unlimited access to private telephone and video GP consultations. All our private health insurance plans include the service, which means you can speak in confidence with a qualified general practitioner day or night, 365 days a year from wherever you are in the world.

  • Book unlimited telephone or video GP appointments from anywhere in the world – there’s no need to wait in a doctor’s surgery as you can book your appointment online. If you prefer to call, our phone line is always open. We know getting a same day appointment with your GP, or at a time that’s convenient for you, can be tricky. With our GP Service you can talk to a GP in complete privacy and confidence from the comfort of your home or wherever you are in the world.
  • We can guarantee you’ll get a doctor's appointment at a convenient time – fast access to a GP can bring additional peace of mind and unlike appointments at many surgeries, you’re not limited to a 10-minute time slot and can use the Saga GP Service as many times as you like.
  • Get an open referral to a specialist – we’re always looking for ways to make Saga HealthPlans even better for our customers, If you need further tests or advice, either your GP or our Saga GP Service can give you an open referral to a private specialist if necessary.
  • Order private prescriptions direct to your door – call the Saga GP Service and they can arrange for your private prescription to be fulfilled and delivered to your door, which means you don’t have to leave the house if you're feeling unwell.
  • Quality guaranteed – all the doctors you'll speak to are experienced GPs who are GMC registered, licensed, on the NHS Performers list, GP Register and have full Medical Council of Ireland registration, qualifying them as "fit to practise".

Saga GP Service is provided by HealthHero Solutions Limited, specialists in 24/7 Private GP services.

Find out more about the Saga GP Service

If you want to get advice from a specialist healthcare professional other than a GP you can call this line 24 hours a day, 365 days a year, and we can arrange for you to talk to qualified nurses.

Pharmacists, counsellors and midwives are also available to answer any questions you may have and give you the latest information related to your condition.

If you have muscle, bone or joint pain, it's important you get the most appropriate support early. The Working Body Service provides you with quicker and easier access to physiotherapy treatment, without the need for a GP referral. Using this service does not affect your No Claim Discount. It's available with all Saga HealthPlans apart from Support.

Getting help straightaway could improve your health in the long-term. Looking after your joints, for example, might mean you don't need surgery, such as a knee replacement, later down the line.

How does it work?

A quick phone call will get your case started. A friendly personal adviser will take a few details and pass them onto the Working Body team.

A fully qualified physiotherapist will call you back within one to two working days (Monday to Friday 8am to 6pm – closed on weekends and bank holidays) to carry out a clinical needs assessment.

They will then decide whether you can manage your condition at home or whether you need face-to-face treatment.


Depending on what the problem is, the physiotherapist may be able to give you self-care advice and exercises to do at home.

The physiotherapist can guide you through the exercises that are suited to your needs and explain how to do them by yourself.

You can then be given access to an easy to use online physiotherapy portal where you can watch in-depth video tutorials to help you learn your prescribed exercises.

The Working Body Service team will then catch up with you to check that you're on the road to recovery.

Face-to-face treatment

Should the physiotherapist decide during your call that you need face-to-face treatment or to be referred to a specialist, they will let you know if this is covered by your Saga HealthPlan.

If your claim is eligible, we can arrange an appointment for you at a time and location that's convenient to you.

If you require face-to-face treatment, but are not covered for it on your HealthPlan, our physiotherapist will let you know what to do next.

What common conditions do our members call Working Body about?

The Working Body Service is here to help you with musculoskeletal problems. This means anything to do with your bones, joints and muscles.

These issues are wide-ranging but may include:

  • Knee pain from sporting injuries
  • Shoulder pain from repetitive movements
  • Twisted ankles from walking and running
  • Pain from muscle strains and tears
  • Back pain from stretching or turning awkwardly.

What is not covered?

We do not cover treatment for injuries that occurred while playing or training for any sport that you are paid for, including grants or sponsorship (unless you receive travel costs only).

Our cover is not intended for professional or semi-professional athletes. However, if you're taking part in a sporting event or playing sport as an amateur, even if you might receive a small prize or are getting sponsored for charity, you would normally be covered.

We would always encourage you to call our team of advisers before incurring treatment costs to ensure you are covered.

Will I have to pay an excess?

If you only use the phone service, you will have nothing extra to pay. If you need to have face-to-face treatment this will be subject to the excess and outpatient benefit limits outlined in your policy book.

When you speak to our claims team, they will advise on how to pay any excess, and also any policy limits that apply.

Get in touch

If you are an existing customer and would like to speak to the Working Body team, please call 0800 027 1331 this number is free to call from both landlines and mobile phones.

With the Stronger Minds Service you can get prompt access to mental healthcare and support. Mental health treatment and the support of the Stronger Minds team is included with all health plans except for Support.

If you experience stress, anxiety or any mental health concerns, call the Claims Personal Advisory Team. We may need to make some checks before we can transfer you through to our Stronger Minds team. Once cover is agreed they will arrange for you to speak to a trained counsellor. The counsellor or, if necessary, a psychologist will carry out an initial clinical needs assessment then recommend a treatment plan which is clinically appropriate for you. This could be telephone or face-to-face counselling, a psychiatrist or psychologist consultation or simply some self-help advice.

We will pay for counselling arranged by the Stronger Minds team. Any treatment provided by Stronger Minds will not affect your excess, NCD or out-patient limits. These payments will be made direct to the provider.

Please note, this service is only available to over 18s.

Frequently asked questions

We calculate the basic cost of your cover by taking into account which Saga HealthPlan and hospitals you have access to, whether you require cover for just yourself, yourself and spouse, or your children as well (up to the age of 21, or 25 if in full-time education).

We also take into account a range of statistical factors including the age of the eldest person to be covered and the geographical region you live in.

The cost can be reduced if you choose to add an excess to your policy, choose our unique 4 week wait option on your chosen Saga HealthPlan, or pay your premium annually.

You should be aware there are a number of exclusions that are commonly applied to most private health insurance policies. Common exclusions include treatment of incurable long-term illnesses (chronic conditions), pre-existing conditions and cosmetic surgery.

Full details of these exclusions can be found in the ABI Guide to Buying Private Health Insurance.

Like most other private health insurance policies in the UK, all Saga HealthPlans are intended to cover the costs of treating medical conditions that arise after the date you join. Please refer to Underwriting Methods and Chronic Conditions which helps explain how we assess any pre-existing conditions that you may have, and also explains in more detail the three methods of underwriting that we use.

Generally, we automatically exclude treatment for any medical condition or certain specified conditions you (or anyone you wish to be covered) have experienced or had symptoms of during the three years prior to joining. Whichever method of underwriting you choose, you will of course be covered for any new, eligible conditions that arise after the policy starts.

If you have a pre-existing medical condition and would like to speak to one of our friendly health insurance team about the cover options available please call 0800 015 0226

When you are considering health insurance, it's important to understand all the options available to you.

We offer a choice of three types of underwriting method:

  • Moratorium - we will provide cover for new medical conditions that occur after the policy begins. However, any pre-existing conditions you had, or experienced symptoms of, during the three years before your policy started will be excluded.
  • Full Medical Underwriting - this option is similar to Moratorium. However, when it comes to exclusions for pre-existing conditions, we will base these on the answers provided in response to our full medical history assessment.
  • Continued Personal Medical Exclusions - this option is only available if you already have cover with another health insurance provider, subject to your medical history over the last 12 months.

Depending on which option you choose, we may be able to cover you for pre-existing medical conditions.

Read more about our health insurance underwriting methods.

If you have completed a quote online the Moratorium method is used. This is because no medical declaration is necessary. We'll simply exclude treatment for any medical condition and certain specified conditions you or anyone on your policy has had in the three years prior to joining.

If you have pre-existing medical conditions and you'd like to speak our friendly health insurance team about our Full Medical Underwriting or Continued Personal Medical Exclusions please call 0800 015 0226

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.

We operate a No Claim Discount scheme. When you join, you will normally start with a 35% No Claim Discount (Level 5 on the scale below). Then, for every subsequent year that you do not claim, your discount rises by 5% until you reach a maximum discount of 60%. If you do make a claim, you simply move back two levels on the scale. No matter how many claims you make you will never fall below level 0.

Level % Discount off basic premium rate
0 0%
1 10%
2 20%
3 25%
4 30%
5 35%
6 40%
7 45%
8 50%
9 55%
10 60%

Yes, choosing to add No Claim Discount protection allows you to make one claim without adversely affecting your No Claim Discount. If you remain claim-free you still go up the No Claim Discount scale until you reach the maximum. It is available for an additional premium to all customers on our moratorium or full medical history underwriting terms.

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.

Saga HealthPlans Super, Secure and Saver Plus all provide cancer cover for the access to latest drugs and treatments. This includes chemotherapy and radiotherapy treatments as standard.

We continually review and improve our cover. For example, we have increased the time limit on biological therapy treatment, an extremely expensive but increasingly common and very effective form of cancer treatment, from 12 to 18 months on Saga HealthPlans Super, Secure and Saver Plus.

For customers who want total peace of mind, our Extended Cancer Cover option removes the time limit completely for cancer drugs that are used within the terms of their licence.

For more information about our cover for cancer, simply call our friendly, UK-based advisers on 0800 015 0226

Alternatively, you can get a quote online in minutes.

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 or have a continuous payment on your credit card, 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:

Increased use of health insurance

More than 15 million people in the UK have long-term or chronic conditions such as diabetes, arthritis and high blood pressure – in fact they account for more than 70% of all NHS in-patient bed days and the numbers are set to grow. With this increasing demand for in-patient treatment, non-urgent operations such as joint replacements or cataract surgery are being delayed or even cancelled, so people are relying more and more on their health insurance to provide these important procedures.

Medical advances

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.

Age-related changes

As people grow older, they are more likely to require medical treatment, so this is also reflected in our renewal prices.

Your claims

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.

Health insurance covers the cost of private healthcare when you've been referred by a GP for an eligible condition. If you're self-employed or work as a freelancer, fast access to a specialist for diagnosis and treatment can be a great help if you need to get back to work as soon as possible. 

Private healthcare also gives you plenty of flexibility - with the option to choose a consultant who works close to your place of work and appointment times that suit you and the needs of your business, you're in control.

Saga Health Insurance gives you fast and easy access to specialists for medical investigations and hospital treatment for eligible conditions, so you can get back to work more quickly. Plus, our range of health plans can be tailored to suit your specific needs and budget.

The Saga GP Service gives you the added convenience of being able to consult a doctor as soon as you have any health concerns, whatever the time and wherever you are in the world.

All our health plans (except support) also include the Working Body Service, enabling you to access physiotherapy services quickly if you have musculoskeletal problems.