When you take out a Saga HealthPlan you'll usually start with a 35% No Claim Discount and this rises annually by 5% to a maximum of 60% if no claims are made. If you make a claim you just move back two levels on the scale, but you'll never fall below level 0, no matter how many claims you make.
Available for an additional payment, Saga's No Claim Discount protection allows you to make one claim during the previous policy year without it reducing your No Claim Discount.