EXISTING HEALTH INSURANCE CUSTOMERS

For customers who have chosen Saga HealthPlan Super.

For customers who have chosen Saga HealthPlan Secure.

For customers who have chosen Saga HealthPlan Saver Plus.

For customers who have chosen Saga HealthPlan Support. This plan is not available to purchase online.

For customers who have chosen the Saga Countrywide Hospital List or the Saga London Upgrade.

For the Saga Key Treatments plan. Please note, this cover is no longer available to new customers.

As soon as your GP refers you to a specialist, call our claims team on: 0330 018 0778

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.

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.

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 0330 018 1587

If you pay by Direct Debit, 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

The main impact on our pricing is the overall cost and increase in the number of health insurance claims.

The health service is fighting against significant pressures and NHS staff are doing their best to cope with the extensive challenges faced each day. There are delays experienced to diagnose heart and cancer, and there are growing waiting lists to treat conditions such as joint and muscular pain along with mental health support.

This means health insurance customers are more likely to use their private cover to receive prompt treatment without unexpected delays for non-urgent operations such as joint replacements or cataract surgery.

This rising cost of medical inflation, which calculates the growing cost of medical advancement, staff and services means we need to increase our prices.

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.