When you experience muscle, bone or joint pain, you must get the most appropriate support early.

With ‘Musculoskeletal (MSK) Direct Access’ you can access advice and treatment without the need for a GP referral. It’s available with all Saga HealthPlans apart from Support.

If you develop a problem, call the Claims Helpline. Within 48 hours, they will check your cover and offer a free telephone or video physiotherapist assessment.

If you use MSK Direct Access for advice, this will not affect your current benefits, as it works alongside these benefits.

However, suppose an MSK Direct Access physiotherapist recommends treatment. In that case, we may need to go through some checks before any treatment can be authorised and claims are paid, subject to the terms of your policy.

Please note: Age limits apply to who can use the service. Further details about the Direct Access service, including the age limits that apply, can be found on Bupa's website or you can contact us.

Get in touch

If you are an existing customer and you feel you would benefit from speaking to the MSK Direct Access team, please call your Claims Personal Advisory Team on 0330 018 0778. This number is free to call from both landlines and mobile phones.