Working Body Service

Aches and pains getting you down? We know if you have muscle, bone or joint pain, it’s important you get the most appropriate support early.

The Working Body Service can provide you with easy and prompt access to treatment you may need, such as physiotherapy, without the worry of NHS waiting lists.

Initially, you'll receive a telephone consultation, but may be referred to face-to-face treatment if needed.

What is the Working Body Service?

All Saga HealthPlans, apart from HealthPlan Support, include the Working Body Service, which provides access to a qualified physiotherapist over the phone. You can ask about all sorts of conditions that affect bones, joints and muscles, and they’ll ensure you get the advice and treatment you need.

You can call the Personal Advisory team as soon as you feel a niggle and get the help you need to start getting better straightaway. There's no need to see your GP before using the Working Body Service.

Getting help straightaway could improve your health in the long-term. Looking after your joints, for example, might mean you don’t need surgery, such as a knee replacement, later down the line.

How does it work?

A quick phone call will get your case started. A friendly personal adviser will take a few details and pass them onto the Working Body team.

A fully qualified physiotherapist will call you back within one to two working days (Monday to Friday 8am to 6pm – closed on weekends and bank holidays) to carry out a clinical needs assessment.

They will then decide whether you can manage your condition at home or whether you need face-to-face treatment.


Depending on what the problem is, the physiotherapist may be able to give you self-care advice and exercises to do at home.

The physiotherapist can guide you through the exercises that are suited to your needs and explain how to do them by yourself.

You can then be given access to an easy to use online physiotherapy portal where you can watch in-depth video tutorials to help you learn your prescribed exercises.

The Working Body Service team will then catch up with you to check that you’re on the road to recovery.

Face-to-face treatment

Should the physiotherapist decide during your call that you need face-to-face treatment or to be referred to a specialist, they will let you know if this is covered by your Saga HealthPlan.

If your claim is eligible, we can arrange an appointment for you at a time and location that’s convenient to you.

If you require face-to-face treatment, but are not covered for it on your HealthPlan, our physiotherapist will let you know what to do next.

What common conditions do our members call Working Body about?

The Working Body Service is here to help you with musculoskeletal problems. This means anything to do with your bones, joints and muscles.

These issues are wide-ranging but may include:
  • Knee pain from sporting injuries
  • Shoulder pain from repetitive movements
  • Twisted ankles from walking and running
  • Pain from muscle strains and tears
  • Back pain from stretching or turning awkwardly .

What is not covered?

We do not cover treatment for injuries that occurred while playing or training for any sport that you are paid for, including grants or sponsorship (unless you receive travel costs only).

Our cover is not intended for professional or semi-professional athletes. However, if you’re taking part in a sporting event or playing sport as an amateur, even if you might receive a small prize or are getting sponsored for charity, you would normally be covered.

We would always encourage you to call our team of advisers before incurring treatment costs to ensure you are covered.

Will I have to pay an excess?

If you only use the phone service, you will have nothing extra to pay. If you need to have face-to-face treatment this will be subject to the excess and outpatient benefit limits outlined in your membership handbook.

When you speak to our claims team, they will advise on how to pay any excess, and also any policy limits that apply.

Get in touch

If you are an existing customer and would like to speak to the Working Body team, please call 0800 027 1331 – this number is free to call from both landlines and mobile phones.

Opening hours

8am to 8pm Monday to Friday
9am to 5pm Saturdays and Bank Holidays

Don’t have a Saga HealthPlan? Get a quote today, it’ll take less than five minutes.