Compare My Health Insurance

Bupa Insurance Limited. Bupa replaced AXA PPP Healthcare on 1 December 2024, so any review still naming AXA PPP is out of date. Bupa is the regulated insurer legally responsible for paying claims, and you get Bupa's hospital network and clinical authorisation framework. Saga remains a separate company, setting plan design, pricing and customer service.

All four plans include full in-patient and day-patient treatment, out-patient surgical procedures, unlimited 24/7 telephone and video GP access, and an NHS cash benefit for up to 20 nights a year. Saver Plus, Secure and Super add self-referral pathways and chemotherapy and radiotherapy cover with up to 18 months of biological therapies. Extended cancer cover and hypertension cover are optional.

Simply, and harshly. A claim of any size drops your discount by two levels, with no small-claims threshold and no sliding scale. A £40 claim costs you the same as a £4,000 one. It also applies policy-wide rather than per person, so on a joint policy one person's claim affects everyone's discount. Bupa and The Exeter both protect small claims, so this is worth factoring into a like-for-like comparison.

Not as the main policyholder. You need to be 50 or over. A spouse or children can be added to your policy regardless of their own age. There's no upper age limit at all, which is unusual, since several competitors stop accepting new customers at 70 or 75.

Generally yes for the over-50s, typically around 5 to 15% cheaper for equivalent cover, with the gap widening at older ages. Since Bupa underwrites Saga, you're buying the same underlying insurance contract and hospital network either way, so the comparison comes down to plan structure, features and price rather than claims security.

You agree to use the NHS where treatment is available within four weeks, in exchange for a lower premium. Most insurers set the same option at six weeks, so Saga's version gives up less. Given NHS waits for most procedures run well beyond four weeks, it often reduces the premium without changing what happens when you claim.

It can, which is unusual. Saga offers an optional hypertension cover for an additional premium where the condition has been controlled for two years or more, subject to underwriting. Bupa's own direct product doesn't offer this, so it's one of the features that makes Saga more than a rebadged Bupa policy.

Less so. You can add a spouse or children, but there's no couples or family discount, no parental accommodation benefit, and the no-claims discount applies policy-wide, so one person's claim penalises everyone. Saga suits individual over-50s buyers considerably better than households.