SAGA Health Insurance Reviews

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SAGA Health Insurance

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Latest Reviews

★☆☆☆☆

“Oh What Saga - with Saga!”

Written on: 23/05/2016 by Cameronp417 (1 review written)

I agree totally with all the previous negative comments about these villains. They exist as a business to make profit and the policy paying customer is an inconsequential barrier to their business objective. I shall refrain from describing my experiences but they have more or less all been described by previous submissions. I actually felt better the day I cancelled my long held health insurance policy with them; after the nightmare scenario of attempting to make my first claim (for a… Read Full Review

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★☆☆☆☆

“Saga Health insurance is a Rip Off”

Written on: 19/04/2016 by Unhappyharry (1 review written)

After 40 years of paying for private medicine with BUPA / AXAPPP / and most recently by SAGA (underwritten by axappp) I have had reason to make a claim only to discover how Saga's system works. If you take out a policy which includes an allowance for out patient care of say £1,000 and you agree to a policy excess of say £1,000 when you submit your invoices for £1,000 they make you pay the excess of £1,000, fair enough, that is what you agreed when you took out the policy but then they… Read Full Review

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★☆☆☆☆

“Worst Private Health Insurance SAGA ”

Written on: 06/04/2016 by Letmein123 (3 reviews written)

New customer ( joined 5 months ago) . Waiting 3 weeks for treatment approval. I honestly told them, I attend both NHS and private doctors - SAGA insisting on collecting all my records from doctors. This is not a pre existing condition . When I joined , they should have collected all my doctors records and not wait until I need a referral to start this ridiculous process . They will not accept a copy of a letter from doctors confirming , condition not pre existing, insisting on copy of 3… Read Full Review

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★☆☆☆☆

“Worst Private Health Insurance SAGA ”

Written on: 06/04/2016 by Letmein123 (3 reviews written)

New customer ( joined 5 months ago) . Waiting 3 weeks for treatment approval. I honestly told them, I attend both NHS and private doctors - SAGA insisting on collecting all my records from doctors. This is not a pre existing condition . When I joined , they should have collected all my doctors records and not wait until I need a referral to start this ridiculous process . They will not accept a copy of a letter from doctors confirming , condition not pre existing, insisting on copy of 3… Read Full Review

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★☆☆☆☆

“Mis-selling and price hikes after first year”

Written on: 26/02/2016 by Bairdzw400 (1 review written)

Took out health insurance with Saga 1 year ago. Was not advised about the myriad of restrictions and clauses that would prevent me ever making a claim, but most importantly was not advised that long term developing illnesses are not covered. I accepted that exisiting conditions were not covered but nothing more. Was hoodwinked into signing up,with the first three months free. Alas, after the first year my premium was increased by a whopping 25%. I complained to the customer relations… Read Full Review

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Letmein123's Comment

Written on: 06/04/2016

Have had a very similar experience with Saga Heath Insurance - most unprofessional company , I have ever dealt with. Do not take out health insurance with this company

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★☆☆☆☆

“over the counter drugs, or from the doctor”

Written on: 19/01/2016 by JulietO'Leary (1 review written)

please dont go with saga,did you know any drug bought over the counter, for pain , stomach problems, knee pain, bowel problems, anything at all etc etc , you can not claim for an operation, later diagnosed by a specialist, if you have purchased, drugs from the chemist or doctor to relieve the problem, we paid our premiums for 14 months, without a single claim, because I had taken pain relief, for my illness. I could not have an operation, under saga, please please be aware what you are doing… Read Full Review

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★★★★★

“Saga - very efficient”

Written on: 20/08/2015 by meMills385 (1 review written)

This is a preliminary review of my first experience of claiming from Saga. I recently switched providers, from BUPA, due to what I believed were excessive price increases. Saga offered a policy that seemed to fit the bill at a much more reasonable price. At the time I took out the policy I fully understood that there would be a moratorium and that any claims made within the first two years would be subject to review of my medical records (conditions that occurred in the preceding 3 years… Read Full Review

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★☆☆☆☆

“Dont waste your money”

Written on: 30/08/2014 by Dancingmotty (1 review written)

I took out a policy with Saga earlier this year and unfortunately had to make a claim for a problem with my left foot. At the time I took out the policy I had no problem with it. I made the initial claim telephone call the adviser gave me a claim number to use. A few days later Saga requested copy of my medical records for the last 3 years which were provided, proving there was no history of any previous problem with that foot. I went ahead and saw the consultant and had an X-ray which revealed… Read Full Review

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★☆☆☆☆

“Wants to view THREE YEARS of medical records”

Written on: 02/08/2013 by EllieJ (4 reviews written)

And I flatly refuse to allow a bunch of uneducated, non medical admin people look at my ailments, this information is PRIVATE.They are unwilling to accept a letter from my GP of 10 years stating that my condition is not pre existing...no, they want access to it all. I need treatment done quite quickly and thought that having private health insurance would be of help.....absolute waste of money, I would be better off putting the premiums under my mattress and saving for the… Read Full Review

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★☆☆☆☆

“Total Rip Off”

Written on: 06/04/2013 by newsdawg (1 review written)

Apparently I have to give one star but they are not even worth that. My mother recently had an MRI for a pain and small lump under her ribs. She rang SAGA AXA and got approval for the MRI scan that the specialist had recommended but when she sent them the invoices for the claim they refused to pay as she had not had to have surgery!!!. Thankfully the MRI was clear, which we are grateful for, however Saga's AXA policy will only pay for diagnostics if they result in surgery. This was not… Read Full Review

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Benny298's Response to newsdawg's Review

Written on: 25/10/2014

There are 5 plans with Saga and 1 of them will only cover outpatients (scans and consultations) if it leads to surgery. This would have been explained on initial sales call and your mother would have selected this plan. Instead of moaning about a claim not being paid out why not think that this could actually be your mothers fault for not realising she was paying a smaller premium for a smaller plan?

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★☆☆☆☆

“I agree entirely with the previous review. Saga health...”

Written on: 22/11/2010

I agree entirely with the previous review. Saga health insurance is a total waste of money and creates frustration instead of offering reassurance. I made my first claim today and was met with a barrage of terms and conditions which meant I'd have to wait nearly two weeks before they'd sanction anything (if indeed they hadn't managed to wriggle out of it) They quoted the moratorium which meant they'd WRITE to me with a form to sign, then WAIT until they'd received it, then WRITE to my doctor… Read Full Review

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☆☆☆☆☆

“After taking early retirement my wife and I decided to...”

Written on: 07/06/2009

After taking early retirement my wife and I decided to take out health insurance which we had both had in our employment. After many mail shots and phone calls from SAGA we joined.
What a waste of money and time. RESTRICTIONS, RESTRICTIONS, RESTRICTIONS.
We pay £87 a month for Healthcare 4 Level 4. Take my advice put the money in a bank and save for any needy medical cause. Should you have something really nasty the NHS will step in anyway. Don ' t rely on SAGA the will do everything possible to… Read Full Review

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1Suffolkboy's Comment

Written on: 12/08/2013

Previous posts are spot on. My G.P. told me I was wasting my money!

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