What Saga’s own policy document says about 5 parts of its HealthPlan Super cover, quoted rather than summarised. Source: Your Policy Book — HealthPlan Super, Super 4 Week Wait & Super 6 Week Wait (May 2025), read 4 September 2026.
| Benefit | What the document says | Page |
|---|---|---|
| Six-week option | Saga is the only insurer in our set offering a four-week NHS wait as well as a six-week one. On either, if the NHS can treat within that window of the specialist recommending private treatment, you must use the NHS. | 4 |
| Mental health cover | Mental health is included rather than sold as an add-on: up to 28 days a year of in-patient treatment and up to £2,500 a year of out-patient benefits. | 4 |
| Physiotherapy and therapies | Therapists' and acupuncturists' charges are covered up to £2,000 a year — a monetary cap rather than the session limits AXA Health and The Exeter apply. | 4 |
| Hospital lists | Three access tiers: the Saga Countrywide Hospital List, a Saga London Upgrade for central London facilities, and a lower-cost Guided Care route where the insurer directs the choice of specialist. | 2 |
| Cancer cover | Cancer is handled in its own dedicated section with an Extended Cancer Cover option on top, separate from the general rules on recurrent, continuing and long-term treatment. | 2 |
Six-week option
With a '4 Week Wait' or '6 Week Wait' plan, if the NHS can give you the hospital treatment you need within four/six weeks of the date the specialist recommends the private treatment then you must use the NHS.
Saga is the only insurer in our set offering a four-week NHS wait as well as a six-week one. On either, if the NHS can treat within that window of the specialist recommending private treatment, you must use the NHS. (page 4)
Only 2 of the insurers whose wording we hold address six-week option, so there is no comparison page for it yet.
Mental health cover
up to 28 days a year for inpatient mental health treatment; up to £2,500 of benefits a year for outpatient mental health treatment
Mental health is included rather than sold as an add-on: up to 28 days a year of in-patient treatment and up to £2,500 a year of out-patient benefits. (page 4)
6 insurers in our set document this. See mental health cover compared across 6 UK insurers.
Physiotherapy and therapies
up to £2,000 a year for therapists' and acupuncturists' charges
Therapists' and acupuncturists' charges are covered up to £2,000 a year — a monetary cap rather than the session limits AXA Health and The Exeter apply. (page 4)
4 insurers in our set document this. See physiotherapy and therapies compared across 4 UK insurers.
Hospital lists
If you have chosen the Saga Countrywide Hospital List or our Saga London Upgrade... If you have chosen Guided Care
Three access tiers: the Saga Countrywide Hospital List, a Saga London Upgrade for central London facilities, and a lower-cost Guided Care route where the insurer directs the choice of specialist. (page 2)
3 insurers in our set document this. See hospital lists compared across 3 UK insurers.
Cancer cover
Your cover for cancer treatment 20. Extended Cancer Cover 23. 7 Recurrent, continuing and long-term treatment 19
Cancer is handled in its own dedicated section with an Extended Cancer Cover option on top, separate from the general rules on recurrent, continuing and long-term treatment. (page 2)
4 insurers in our set document this. See cancer cover compared across 4 UK insurers.
The other documents we hold
- Aviva Healthier Solutions — 14 benefits quoted from its April 2025 document.
- AXA Health Personal Health — 12 benefits quoted from its October 2024 document.
- Bupa By You — 10 benefits quoted from its 2024 document.
- Freedom Health Insurance Freedom Elite — 4 benefits quoted from its April 2025 document.
- The Exeter Health+ — 10 benefits quoted from its October 2025 document.
- WPA Complete Health — 10 benefits quoted from its November 2025 document.
Get a quote for Saga cover
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This quotes one document at one point in time, and insurers revise wording at renewal. It is general information rather than advice, and it cannot tell you what Saga would offer you personally — that turns on your medical history and the underwriting you accept. See also the guide to comparing UK cover and the list of FCA-authorised brokers.