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Options to reduce your premium

You can reduce the amount you pay for your health insurance by choosing one of our three options.

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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.

The 4-week wait option works like this. If the NHS waiting time for the treatment you've been referred for is more than four weeks, we'll arrange for you to be seen immediately in a private hospital. However, if the NHS can provide the treatment you need locally within four weeks of the date you need it, you’ll be treated by the NHS.

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 be seen twice as fast, on average, as 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 appointment at a time and place that suits you. Or, if you prefer, you can make the appointment yourself.