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Seeking views on Saga over 50 health insurance

I am seeking views on Saga over 50 health insurance which is I understand underwritten by AXA PPP. Initial thoughts was it must be good but there seem few reviews of it and what I have found make it sound awful. See here:

https://www.reviewcentre.com/review534706.html
https://www.reviewcentre.com/review747708.html
https://www.reviewcentre.com/Health-Insurance/SAGA-Health-Insurance-review_1975449

Any thoughts or experiences gratefully received. Thank you.

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