Compare HealthPlans
Get your first 3 months free when you buy before 30 November. This offer is available when you start cover on or before 30 November 2020, pay by monthly Direct Debit and hold your policy for a year.
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.
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 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 listed in 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 listed in 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 listed in 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 listed in 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 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 listed in 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 listed in 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 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 listed in 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 listed in 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]