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Options to improve your cover

You can tailor your policy with our additional cover options, so you have the cover that's right for you.

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Options to improve your cover

You can tailor and improve your policy so you can have the cover that's right for you, with one or more of the following options:

Extended Cancer Cover

Health Cash Benefits Cover

Cover for pre-existing hypertension

Protecting your No Claim Discount

Options to reduce your premium

Extended Cancer Cover

All Saga HealthPlans offer cover for the surgical treatment of cancer, and all, except for Support cover radiotherapy and chemotherapy too. However, for greater reassurance Extended Cancer Cover can be added to all health plans except Support.

It includes access to drugs that may not be available on the NHS, plus cover for unproven surgery and treatments if they're part of an ethically approved trial. There are also no time limits for cancer drug treatments used within their licence, including medical treatment to help prevent the recurrence of cancer or maintain remission.

Health Cash Benefits Cover

It's important to us that we continue to provide our customers with a wide range of benefits. That's why we introduced our optional Health Cash Benefits Cover.

This cover option provides cashback towards your everyday healthcare costs, such as dental and optical appointments or treatment.

One of the great things about this cover option is that you can claim these benefits without paying an excess and these claims won't affect your No Claim Discount.

So, if you'd like to make trips to the dentist a little less painful, call us on 0800 015 0226 to add this valuable cover to your policy.

To make a claim under your Health Cash Benefits Cover, please download the claim form and follow the instructions.

Cover for pre-existing hypertension

Hypertension, or persistently raised blood pressure, can lead to serious medical problems such as a stroke or heart attack. Many insurers don't cover hypertension or associated conditions if you already have hypertension when you join. However, because our medical insurance is designed for the over 50s, for an additional cost, subject to 2 simple qualifying questions, we can provide you with full cover if you currently have this condition.

Protecting your No Claim Discount

When you take out a Saga HealthPlan you'll usually start with a 35% No Claim Discount and this rises annually by 5% to a maximum of 60% if no claims are made. If you make a claim you just move back two levels on the scale, but you'll never fall below level 0, no matter how many claims you make.

Available for an additional payment, Saga's No Claim Discount protection allows you to make one claim without it reducing your No Claim Discount.

 

Options to reduce your premium

You can reduce the amount you pay for your health insurance premium by choosing from one or more of the following options:

4-week wait

Excess options

Fixed Fast Track

4-week wait

Choosing this option can reduce your premium significantly, making your health insurance even more affordable.

Choose the 4-week wait option and you’ll be seen on the NHS if the in-patient or day-patient treatment you need is available within four weeks. Out-patient consultations and diagnostic tests will still be available privately, up to the benefit limits of your chosen plan. You can also claim £100 cash benefit for every night spent receiving eligible treatment in an NHS hospital, up to £2,000 per policy year (£150 per night, up to £3,000 per year for Saga HealthPlan Super). If the NHS can’t see you within four weeks, you’ll get prompt access to private treatment.

There are also eight common conditions for which we'll provide immediate treatment, even if you choose the 4-week wait option. These are:

  • Varicose veins surgery
  • Removal of gall bladder
  • Haemorrhoidectomy
  • Removal of bunions
  • Correction of squint
  • Insertion of grommets
  • Tonsillectomy
  • Adenoidectomy

Saga is unique in offering a 4-week wait. Whilst some other insurers offer a similar option, this is on a 6-week wait basis, so it's more likely you'll be treated privately via Saga.

Excess options

As with other insurance, you can add an excess to your Saga Health Insurance policy to reduce your premium.

The excess is the amount you agree to pay each year before any benefit becomes payable. Saga HealthPlans offer a choice of £0, £100, £250, £500, £750 or £1,000 optional excesses. Your chosen excess is payable once per person per policy year, regardless of the number of claims made.

Fixed Fast Track

The quickest way to see a specialist to find out what's wrong is to choose our Fixed Fast Track option. It's convenient and you'll normally be seen quicker than customers who obtain a named referral from their GP.

Here's how it works:

Step 1: If a GP wants you to see a specialist, ask for an open referral (which states the type of specialist you need to see rather than naming a particular specialist).

Step 2: Call our dedicated claims team. We'll check that your claim's eligible, then find a choice of appropriate specialists near you.

Step 3: You choose the specialist that suits you best and we arrange an initial appointment at a time and place that suits you. Or, if you prefer, you can make the appointment yourself.