Compare HealthPlans

Saga Health Insurance offers a choice of five health plans, each providing cover for hospital in-patient and day-patient treatment and care. The amount of out-patient cover and additional benefits varies between health plans, shown in our plan comparison table below.

The five plans we offer are;

  • Saga HealthPlan Super
  • Saga HealthPlan Secure
  • Saga HealthPlan Saver Plus
  • Saga HealthPlan Saver
  • Saga HealthPlan Support

There are options to improve your cover such as Extended Cancer Cover, Health Cash Benefits, Hypertension cover and Protected No Claim Discount.

You can get a quote for Saga HealthPlan Super, Saga HealthPlan Secure and Saga HealthPlan Saver Plus to see how these different options affect your premium.

Saga HealthPlan Saver and Saga HealthPlan Support are only available over the telephone. For more information please call 0800 015 0226.

How the plans compare

Benefits Super  Secure   Saver Plus Saver Support
In-patient and day patient treatment
Prompt access as a private patient
Surgeons', anaesthetists' and physicians' fees
Accommodation costs
Operating theatre and nursing costs
Treatment of mental health conditions †        
 Out-patient treatment
Surgical procedures
Consultations with a consultant/specialist and diagnostic tests † † †  
Practitioner and physiotherapist charges † † †  
Therapist, homeopath and acupuncturist charges † † † †  
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis  
CT, MRI and PET scans in a scanning centre on the Saga Countrywide Hospital List ✱ ✱  
Mental health treatment †        
Additional details
NHS cash benefit for up to 20 nights per year † † † † †
Home nursing following eligible in-patient treatment (on specialist recommendation) † † † †  
Recuperative care following eligible in-patient treatment † †      
Ambulance transport (on specialist recommendation)      
Major dental cash benefits for specified dental procedures †        
Dental injuries benefit †        
External prosthesis benefit † † † † †
Working body service  
Second opinion service    
Saga GP service
Saga Health Information Line
Cancer Care Team support
Stronger Minds mental health support        

†These benefits have an upper limit on the amount you can claim. For more information about the specific benefits, limits and exclusions, please see each individual Saga HealthPlan below.

*One CT, MRI or PET scan. Unlimited follow-up scans performed within eight months after related, eligible in-patient or day-patient treatment, or a related out-patient surgical procedure.

Saga HealthPlan Super

Super gives our best level of protection for eligible in-patient and day-patient cover and offers unlimited cover for eligible out-patient treatment including consultations, diagnostic tests, scans and physiotherapy. Super also includes cover for complementary therapies such as homeopathy and osteopathy, treatment of psychiatric illness, the use of a private ambulance, home nursing, recuperative care and even assistance towards some major dental work.

Benefits: Saga HealthPlan Super

Benefits

Saga HealthPlan Super
In-patient and day patient treatment
Hospital charges for treatment in a hospital on the Saga Countrywide Hospital List
Consultant/specialist fees and diagnostic tests*
Treatment of mental health conditions  Up to a total of 28 days
Out-patient treatment
Surgical procedures
Consultations with a consultant/specialist and diagnostic tests*  Unlimited
Practitioner and physiotherapist charges*  Unlimited
Therapist, homeopath and acupuncturist charges*  Up to £2000 per year
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis
CT, MRI and PET scans in a scanning centre on the Saga Countrywide Hospital List  Unlimited
Mental health treatment  Up to £1,500 per year
Additional benefits
NHS cash benefit for up to 20 nights per year  £150 per night, up to £3,000 per year
Home nursing following eligible in-patient treatment (on specialist recommendation)  Up to 13 weeks per year
Recuperative care following eligible in-patient treatment  Up to £1,500 per year (maximum 14 hours a week, 30 days per year)
Ambulance transport (on specialist recommendation)
Major dental cash benefits for specified dental procedures  Up to £1,500 per year
Dental injuries benefit  Up to £5,000 per year
External prosthesis benefit  Up to £5,000 for the lifetime of the policy
Working body service
Second opinion service
Saga GP service
Saga Health Information Line
Cancer Care Team support
Stronger Minds mental health support

*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of benefits, please refer to the HealthPlan Super policy book. 

Saga HealthPlan Secure

With Saga HealthPlan Secure you will have prompt access to in-patient and day-patient treatment and a range of benefits including up to £2,000 towards out-patient consultations, diagnostic tests and a range of practitioner and therapist charges including an extra £400 towards post-operative treatment.

You will also receive full cover for out-patient CT, MRI and PET scans plus a wide range of cover features as laid out in the table below.

 Benefits: Saga HealthPlan Secure

Benefits 

Saga HealthPlan Secure
In-patient and day patient treatment
Hospital charges for treatment in a hospital on the Saga Countrywide Hospital List
Consultant/specialist fees and diagnostic tests*
Out-patient treatment
Surgical procedures
Consultations with a consultant/specialist and diagnostic tests*  These benefits have a combined limit of £2,000 per year 
Practitioner and physiotherapist charges*  Additional £400 per year for post-operative therapist, physiotherapist, homeopath and acupuncturist charges
Therapist, homeopath and acupuncturist charges*
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis
CT, MRI and PET scans in a scanning centre on the Saga Countrywide Hospital List  Unlimited
Additional benefits
NHS cash benefit for up to 20 nights per year  £100 per night, up to £2,000 per year
Home nursing following eligible in-patient treatment (on specialist recommendation)  Up to 13 weeks per year
Recuperative care following eligible in-patient treatment  Up to £500 per year (maximum 14 hours a week, 30 days per year)
Ambulance transport (on specialist recommendation)
External prosthesis benefit  Up to £5,000 for the lifetime of the policy
Working body service                                 
Second opinion service
Saga GP service
Saga Health Information Line
Cancer Care Team support

*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of benefits, please refer to the HealthPlan Secure policy book. 

Saga HealthPlan Saver Plus

Saver Plus includes prompt access to in-patient and day-patient treatment, up to £1,000 towards out-patient treatment, cover for one out-patient scan, plus unlimited scans within 8 months following eligible in-patient or day-patient treatment, or out-patient surgical procedures, Saga GP Service, Second Opinion Service.

Benefits: HealthPlan Saver Plus 

Benefits

Saga HealthPlan Saver Plus
In-patient and day patient treatment
Hospital charges for treatment in a hospital on the Saga Countrywide Hospital List
Consultant/specialist fees and diagnostic tests*
Out-patient treatment
Surgical procedures
Consultations with a consultant/specialist and diagnostic tests*  These benefits have a combined limit of £1,000 per year
Practitioner and physiotherapist charges*
Therapist, homeopath and acupuncturist charges*
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis
CT, MRI and PET scans in a scanning centre on the Saga Countrywide Hospital List  One scan, plus unlimited follow-up scans within 8 months of related eligible in-patient or day-patient treatment or out-patient surgical procedure
Additional benefits
NHS cash benefit for up to 20 nights per year  £100 per night, up to £2,000 per year
Home nursing following eligible in-patient treatment (on specialist recommendation)  Up to 2 weeks per year
External prosthesis benefit  Up to £5,000 for the lifetime of the policy
Working body service
Second opinion service
Saga GP service
Saga Health Information Line
Cancer Care Team support

*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of benefits, please refer to the HealthPlan Saver Plus policy book.

Saga HealthPlan Saver

Saga HealthPlan Saver is only available over the telephone. Please call 0800 015 0226 for more information.

With Saver you will get the main advantages of private health insurance at a value-for-money price. This still includes full in-patient and day-patient cover, prompt access to private hospital care and up to £1,000 towards related eligible out-patient treatment, one CT, MRI or PET Scan available prior to related in-patient treatment, plus cover for out-patient follow-up scans.

Benefits: Saga HealthPlan Saver

Benefits

Saga HealthPlan Saver
In-patient and day patient treatment
Hospital charges for treatment in a hospital on the Saga Countrywide Hospital List
Consultant/specialist fees and diagnostic tests*
Out-patient treatment
Surgical procedures
Consultations with a consultant/specialist and diagnostic tests*†  These benefits have a combined limit of £1,000 per year and must be related to eligible in-patient or day-patient treatment or an out-patient surgical procedure
Practitioner and physiotherapist charges*††   
Therapist, homeopath and acupuncturist charges*††
Cancer treatment, including charges for radiotherapy and chemotherapy, and eligible out-patient cancer treatment following diagnosis 
CT, MRI and PET scans in a scanning centre on the Saga Countrywide Hospital List  One scan before related eligible in-patient treatment, plus unlimited follow-up scans within 8 months of related eligible in-patient or day-patient treatment or a related out-patient surgical procedure
Additional benefits
NHS cash benefit for up to 20 nights per year  £100 per night, up to £2,000 per year
Home nursing following eligible in-patient treatment (on specialist recommendation)  Up to 2 weeks per year
External prosthesis benefit  Up to £5,000 for the lifetime of the policy
Working body service
Saga GP service
Saga Health Information Line
Cancer Care Team support

*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of benefits please refer to the HealthPlan Saver policy book. 

† Must be received before, or within eight months after, a related hospital stay.

†† Must be received within eight months after a related hospital stay.

Saga HealthPlan Support

This plan includes prompt access for eligible in-patient and day-patient treatment, a choice of private UK hospitals from our extensive list and 24 hour access to the Saga GP Service.

To make Saga HealthPlan Support even more affordable, this plan offers no out-patient cover and covers only the surgical aspects of cancer treatment. All other aspects, including chemotherapy, would need to be treated on the NHS.

Saga HealthPlan Support is only available over the telephone. Please call 0800 015 0226 for more information.

Benefits: Saga HealthPlan Support

Benefits

Saga HealthPlan Support
In-patient and day patient treatment
Hospital charges for treatment in a hospital on the Saga Countrywide Hospital List
Consultant/specialist fees and diagnostic tests*
Out-patient treatment
Surgical procedures
Additional benefits
NHS cash benefit for up to 20 nights per year  100 per night, up to £2,000 per year
External prosthesis benefit  Up to £5,000 for the lifetime of the policy
Saga GP service
Saga Health Information Line
Cancer Care Team support

*We pay charges up to the level within the published Schedule of Procedures and Fees. For a full list of the benefits, please refer to the HealthPlan Support policy book.