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Saga health insurance review

Saga specialises in products and services for people aged over 50. Find out what's included in its health cover, and how to make a claim or change your policy.

Saga offers 4 health insurance plans for over-50s, each providing different levels of cover for hospital in-patient, day-patient and outpatient treatment. Find out what you get with each one in our review.

Who is Saga?

Saga originally focused on travel for people aged over 50 before branching out to offer home and motor insurance, as well as other financial services, for this age group in the 1980s. The brand has offered private health insurance for more than 30 years.

What’s included with Saga health insurance?

There are 4 health insurance plans, each providing different levels of cover for treatment. Although you have to be aged 50 or above to apply for a health insurance policy, you can choose to add your spouse and children (up to the age of 21, or 25 if in full-time education).

The policies are:

  • Saga HealthPlan Super. The most comprehensive level of cover. You’ll see a full list of what’s offered in the table below.
  • Saga HealthPlan Secure. A more affordable option that offers a total of £2,000 worth of outpatient cover, plus unlimited CT, MRI and PET scans.
  • Saga HealthPlan Saver Plus. Another cheaper policy which offers £1,000 worth of outpatient cover, plus one outpatient scan per year.
  • Saga HealthPlan Support. The most basic cover plan, this policy excludes outpatient support and all non-surgical elements of cancer treatment.

The table below outlines the level of care provided by each policy; many of the benefits have an upper annual limit for the amount you can claim:

Level of coverSaga HealthPlan SuperSaga HealthPlan SecureSaga HealthPlan Saver PlusSaga HealthPlan Support
Quick access to in-patient and day-patient treatment
In-patient and day-patient surgeon and physician fees
Outpatient surgical procedures
Outpatient consultations with a specialist
Therapies, including physiotherapy, homeopathy and acupuncture
Cancer treatment
Cancer care team support
CT, MRI and PET scans
NHS cash benefit of up to £150 per night for 20 nights per year
Home nursing (following eligible in-patient treatment)
Recuperative care (following eligible in-patient treatment)
Ambulance transport (on specialist recommendation)
Dental benefits
External prosthesis benefit
Working body service
Second opinion from an alternative consultant
Video GP calls
24/7 health information phone line
Treatment and telephone support for mental health conditions


    Saga health insurance will not cover you in the following scenarios:

    • Pre-existing medical conditions (usually excluded, but Saga says there are exceptions)
    • Chronic health conditions, including arthritis, asthma, diabetes and epilepsy
    • Cosmetic surgery

    There may be other circumstances where your policy won’t cover you, so make sure to read your policy documents carefully, as all exclusions will be listed there.

    Claims process

    Once your GP refers you to a specialist, call Saga’s claims team on 0800 027 1331.

    A claims adviser will take a few basic details to check the treatment is eligible, how much of the fee Saga can cover and which medical facilities are available.

    They’ll forward a partially-filled claim form to you. There will be a section for you to fill out, and a section for your GP.

    Once the form is completed and sent back to the insurer, it will assess the claim and confirm cover. You’ll also be told about any restrictions to cover, along with your appointments and any outstanding payments due.

    Managing your policy

    You can manage your policy online via the Saga website. Just click the “MySaga” button in the top right corner of the website, then enter the email address associated with your Saga account and register your details. You will be able to amend your personal details and view your insurance documents here.

    How to contact the Saga health insurance team

    For general queries, call 0800 056 9273. Lines are open on weekdays 08:30-19:00 and on Saturdays 09:00-13:00.

    Pros and cons


    • Choose from four levels of coverage
    • Cancer treatment included as standard with three of the four policies
    • Cover your spouse and children on the same policy if you wish


    • Over-50s only
    • No overseas treatment
    • Treatment for pre-existing and chronic conditions not covered

    Our verdict

    Saga’s health insurance has a few cover options to choose from, so it can suit a range of budgets.

    Its “Super” plan is one of the most comprehensive out there, but its more affordable policies offer decent levels of protection too.

    Cover is only available to over-50s, but children can be added on a family policy.

    Frequently asked questions about Saga health insurance

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