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Health insurance


We have three different underwriting methods available. The right method for you will depend on a number of personal circumstances.

Underwriting methods

With Saga you can choose from three different underwriting methods, depending on whether you’re new to health insurance, or switching from another insurer or employer’s scheme.

Below will help you decide which underwriting method is right for your health insurance policy.

Moratorium method

Moratorium is the method used for our health insurance online quotations. This means that no medical declaration is necessary. We’ll simply exclude treatment for any medical condition you or anyone on your policy has experienced in the last three years and, in some cases, certain specified conditions.

If you remain free from any advice, medication or treatment for an excluded condition for a continuous period of two years after your policy starts, we may then be able to offer cover for those medical conditions.

Full medical history underwriting

If you choose this option, you will complete a medical history declaration for you and any family members you wish to be covered. We'll speak to your doctor if necessary, take into account the history of any existing conditions and let you know whether we can cover you for them.

Continued personal medical exclusions

This option is available if you wish to switch from your current insurer and retain cover for your pre-existing medical conditions. This is dependent on your recent medical history and is subject to the terms and conditions of your new policy.

Defaqto 5 star rated health insurance 2024

Defaqto 5 Star rated health insurance

We are proud to offer five-star treatment every day with Saga Health Insurance. Saga Healthplan Super is 5 Star rated by Defaqto.

Which method is right for me?

  • I'm new to health insurance. We'll cover new eligible medical conditions that arise after the date you join and exclude any pre-existing conditions or any specified conditions you may have. You can choose 'Full medical history underwriting' or the 'Moratorium method'.
  • I'm switching from another insurer. If you choose 'Full medical history underwriting' or the 'Moratorium method' we'll treat you as though you're new to health insurance and exclude any pre-existing conditions. But, for an additional premium, it may still be possible to receive cover for a pre-existing condition, in which case you should choose 'Continued personal medical exclusions'.
  • I'm switching from an employer's group scheme. If you have health insurance through a company scheme and are about to leave the company, you may still be able to receive cover for pre-existing conditions. If you choose 'Continued personal medical exclusions' your policy will be subject to an additional premium and a compulsory £250 excess. Otherwise simply choose 'Full medical history underwriting' or the 'Moratorium method'.

Who underwrites Saga Health Insurance?

Saga Health Insurance is a unique product designed by us specifically for our customers and it is only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high levels of quality, service and choice. That's why we offer a range of policies that can be tailored to suit your needs and budget.

Would you like to find out more?

For more information about our underwriting methods, simply call our friendly, UK-based team. Alternatively, you can get a quote online in minutes.

0330 094 6361

Mon-Fri – 8:30am-7:00pm
Sat – 9:00am-1:00pm

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