Bupa Global Pre-authorisation

Get complete confidence before you start

For peace of mind, remember to always pre-authorise your treatment

Pre-authorisation gives you an extra level of reassurance, so you can rest easy knowing your treatment will be covered under your plan, well before you make a claim.

Our team is here any time, day or night, to help guide you through the process and make sure you’re getting the right treatment for your needs. This includes a second opinion from international experts, so you are fully comfortable with your treatment plan before committing.

Seamless experience

Pre-authorisation allows us to settle claims directly with providers in our network, so you can focus on your immediate health needs without the hassle of handling payment further down the line.

Complete reassurance

By pre-authorising, you’ll be able to start your treatment knowing for certain that it’s covered. You can also ask for a second medical opinion to ensure you are pursuing the right course of care.

What happens next?

We may ask our clinicians to review the proposed treatment to make sure it is in your best interests. They may suggest alternative treatment.

Solutions to health problems aren't always black and white, so you could also be offered a second medical opinion from international specialists, at no extra cost.

Find out more about Second Medical Opinion

How soon can I expect approval?

Once approved, we’ll send you a pre-authorisation code, followed by a PDF with full details. Showing this to your specialist lets them know that Bupa has approved your treatment.

Approval can be instant for some treatments, otherwise, we’ll get back to you within 48 hours. If you need approval sooner than this, contact our team.

Pre-authorisations are valid for 31 days. This begins on the start date of your treatment. If the treatment date is not known, it starts from the date of issue.

How do I settle my claim?

If you are treated by a provider in our network, pre-authorisation allows Bupa to directly settle with the provider. This way, you’ll also ensure treatment charges are covered, avoiding any shortfalls.

If your provider isn’t in our network, you should submit a claim through MembersWorld. If you pay then claim, we’ll also ask you for proof of payment along with any invoices.

We will only cover reasonable and customary costs for providers outside of our network. This means we cannot guarantee payment will be made in full for treatment received outside of our network, even if pre-authorised.

You can avoid any such claim shortfalls by choosing from Bupa Global’s extensive network of over two million providers. By opting for treatment with these approved providers, pre-authorisation ensures no payment from you at the point of treatment.

Start your pre-authorisation process through the MembersWorld app, online, or by calling or emailing our team any time, day or night.

Are you a medical provider looking to pre-authorise treatment for a customer?

Please visit our dedicated pre-authorisation page for providers.