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Compare HealthPlans

You can choose a Saga HealthPlan to suit your needs and budget from the comparison table below.

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Compare HealthPlans

Saga Health Insurance offers a choice of four 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 four plans we offer are;

There are options to improve your cover such as Extended Cancer Cover, Health Cash Benefits, Pre-Existing 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 Support is only available over the telephone. For more information please call 0800 015 0226.

The benefits shown include our latest cover enhancements, these apply to any policy starting on or after 16th November 2019.

How the plans compare

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

†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 mental health conditions, 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 Yes
Consultant/specialist fees and diagnostic tests* Yes
Mental health treatment Up to a total of 28 days
Out-patient treatment
Surgical procedures Yes
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 Yes
CT, MRI and PET scans in a scanning centre on the Saga Countrywide Hospital List Unlimited
Mental health treatment Up to £2,500 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 £2,000 per year (maximum 30 days per year)
Ambulance transport (on specialist recommendation) Yes
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 Yes
Second opinion service Yes
Saga GP service Yes
Saga Health Information Line Yes
Cancer Care Team support Yes
Stronger Minds mental health support Yes

*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 Yes
Consultant/specialist fees and diagnostic tests* Yes
Mental health treatment Up to a total of 28 days
Out-patient treatment
Surgical procedures Yes
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 Yes
CT, MRI and PET scans in a scanning centre on the Saga Countrywide Hospital List Unlimited
Mental health treatment Up to £2,000 per year
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 £1000 per year (maximum 30 days per year)
Ambulance transport (on specialist recommendation) Yes
External prosthesis benefit Up to £5,000 for the lifetime of the policy
Working body service Yes
Second opinion service Yes
Saga GP service Yes
Saga Health Information Line Yes
Cancer Care Team support Yes
Stronger Minds mental health support Yes

*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 Yes
Consultant/specialist fees and diagnostic tests* Yes
Mental health treatment Up to a total of 28 days
Out-patient treatment
Surgical procedures Yes
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 Yes
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
Mental health treatment Up to £1,500 per year
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 Yes
Second opinion service Yes
Saga GP service Yes
Saga Health Information Line Yes
Cancer Care Team support Yes
Stronger Minds mental health support Yes

*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 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 Yes
Consultant/specialist fees and diagnostic tests* Yes
Out-patient treatment
Surgical procedures Yes
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 Yes
Saga Health Information Line Yes
Cancer Care Team support Yes

*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.

For more useful information see our Private Health Insurance Brochure [PDF]