Saga Health Insurance is a health insurance provider aimed at the over-50s market. It offers critical illness coverage, travel insurance, and a funeral benefit. We looked at its service and coverage options to determine whether it is worth considering. Ultimately, we found Saga to be an excellent choice.
Saga Health Insurance is aimed at people aged over 50
Saga Health Insurance is a health insurance provider for people over 50. It offers cover for a wide range of treatments and services. All Saga policies are tailored to suit older people. For example, their Countrywide London Upgrade gives customers access to 12 additional London hospitals. The complete list of participating hospitals can be found here. Saga also offers a 14-day money-back guarantee if you don’t claim during that period.
Saga has an excellent Trustpilot rating, with over 30,000 reviews. The company also scored high on Smart Money People, based on a sample of ninety reviews. The company also has excellent ratings in the Financial Times, which is essential when choosing a health insurer.
It offers critical illness cover.
If you need critical illness coverage, you can get it through Saga Health Insurance. This health insurance policy is affordable and includes many benefits. This plan covers various medical events, such as cancer, heart disease, and stroke. It also covers the costs of out-of-pocket expenses, such as mortgage payments and transportation expenses. However, you should be aware that critical illness cover does not offer all-inclusive coverage, and you need to be aware of the limitations and restrictions of this policy.
Many people choose high-deductible health plans because they have lower premiums. However, it can be challenging to cover the costs if you have a severe illness. Fortunately, many companies offer critical illness coverage as a voluntary benefit. In addition, critical illness insurance can be purchased separately or as a rider on a life insurance plan. The latter option can be more affordable if you have life insurance and a high-deductible plan.
Saga Health Insurance provides various levels of coverage to meet the needs of different people. One of their most comprehensive plans is called “Super” and includes unlimited cover for diagnostic tests and hospital and physiotherapy fees. Another premium plan is the Elite, which provides full cover for outpatient CT, MRI, and PET scans, cancer treatment, and pregnancy complications.
It offers travel insurance.
If you’re a senior traveler, then travel insurance from Saga Health Insurance is an excellent option. The company offers a comprehensive travel insurance policy that covers pre-existing conditions and travel delays. The company’s travel insurance policies also cover cancellations, medical treatment, and repatriation expenses.
There are many travel insurance policies available, so you’ll want to consider the level of coverage you need. For example, many travel insurance policies only cover a single trip, but Saga has a travel policy that covers several trips and up to 120 days. The premiums for this policy are more expensive than those of other insurance providers, but the policies are more flexible and come with a 24-hour travel helpline. Moreover, Saga travel insurance policies allow you to include family members and friends under 50.
Saga’s travel insurance policy covers various activities, from hiking to sailing. You can even customize your policy by removing medical cover or increasing it. The Saga website makes it easy to understand and navigate your policy. The quote screen can be accessed 24/7 online.
It offers the funeral benefit.
Saga Health Insurance has a unique funeral benefit option for people aged 50 and over. This benefit is designed to help with funeral expenses, easing the financial burden on surviving family members. The insurance company partners with Golden Charter, the UK’s largest provider of funeral services. This option provides a PS20 voucher to customers on acceptance and a PS250 towards the funeral cost
There are five types of Saga health insurance plans. The Super plan, which is the most comprehensive, offers coverage for both inpatient and outpatient surgeries. The Saver plan adds coverage for a funeral fund or prepaid funeral contract and mental health treatment. The Saver plan also extends cancer coverage to pay for drugs unavailable on the NHS.
The Saga life insurance policy also offers a critical illness option, which can assist a person with a terminal illness or death. The critical illness option will depend on the wording of your policy but will often include heart attack, stroke, and cancer.