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John M

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Review of the Saga, Health insurance:

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Health insurance is not what you think

I have health insurance for both my Wife and I. Hearing bad stories and delays in NHS health care I felt peace of mind thinking if we were ill we would have the best care immediately. We were in the 2nd year of Saga Bupa cover so when I had issues with my oesophagus I had to pay for my NHS doctor to fill in a moratorium form to say he hadn't seen me for this issue as it would invalidate my claim. Causing some delay in my 1st consultation with a gastroenterologist. I then had to wait 5 weeks for an endoscopy. NHS waiting time is 2 weeks and with Saga Bupa it took 8 weeks. Then after my diagnosis of eosinophilic oesophagitis the treatment was a 6 week course of steroid, the insurance doesn't cover this so its going to cost me another £440 on top of the £250 excess and £40 doctors fee. I will end up paying more for this diagnosis and treatment than Saga Bupa. I have found my experience with Saga Bupa very impersonal, its just like having car insurance. The policy exclusions are a nightmare to understand and are peppered with get out clauses. I was sold this policy on the basis I would get better care more quickly than NHS and I would have access to better drugs. Simply not the case, I will be taking this to the Financial Ombudsman as I feel this policy was mis-sold. Reviewed on: 9th May 2025

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