How to claim


How can I make a claim?

Health insurance help | Bupa UK

If you need treatment and would like to make a claim, you’ll usually need to have visited your GP and received a referral. In some cases, you can submit a claim without a GP referral.

If you are experiencing the following symptoms: 

  • Cancer Symptoms
  • Muscles, bones and joints, 
  • Mental Health
  • Moles and skin cancer concerns

And your cover includes Direct Access you can speak to us as soon as you’re worried. You may even be able to get treatment without seeing a GP.

When claiming, you’ll need your Bupa membership number as well as details about your diagnosis and treatment.

Please click on the following link, select ‘Get Treatment’, then select the symptom and you’ll be directed to the correct team to call.

Making a health insurance claim | Bupa UK

If your symptoms aren’t covered by our Direct Access service

Step 1: See a GP

You should speak to a GP first.

Book an appointment with your own GP or through a digital GP service. They can advise you if you need to see a specialist or healthcare professional.

Speak to a GP within 24 hours from anywhere

With our digital GP services, you can get professional advice at a time that suits you. 

Book a digital GP appointment 

Health advice day or night

With our Anytime HealthLine, you can get health advice from a nurse at any time of the night or day.

Anytime HealthLine 

Step 2: Ask the GP for an open referral

If you have a condition that requires a GP referral, we recommend you ask for an ‘Open Referral letter’. This will detail the care your GP would like you to have, but will not be addressed to a specific consultant, hospital, or healthcare professional.

The referral needs to include the type of speciality that you have been referred to.

We aim to offer a choice of two or three specialists. If the first-choice consultant is unavailable, you can see someone else without having to return to your GP for a second referral.

You can also choose to speak to a specialist over the phone or by video. You can call us on 0345 609 0111 to discuss your options. Lines are open 8am – 8pm Monday to Friday, 8am-4pm Saturdays.

Important: Open Referral is mandatory on some personal, corporate and company schemes. If you need help, please call us on 0345 609 0444. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.

Step 3: Contact us for a pre-authorisation code

As soon as you’ve seen your GP please contact us. We’ll discuss your options and explain what you’re covered for. Our advisor will talk you through what you need to do next and will send any pre-treatment forms that you need to complete.

If you’re covered we will give you a pre-authorisation code. You’ll show this to your specialist. It lets them know that Bupa has approved your treatment.

Here’s what you’ll need when you contact us:

  • Your Bupa membership number
  • Details of when your symptoms first began
  • Details of when you first consulted your GP about your symptoms
  • The symptoms you’re suffering from
  • Details of the treatment your GP has recommended

Speak to one of our advisors today

0345 609 0111

Lines are open 8am – 8pm Monday to Friday, 8am – 4pm Saturdays.


Seeing a specialist or accessing treatment

You’ll need a GP referral before you can use your AXA Health membership to see a specialist. You’ll also need to do this for any children under 18 on your plan.

You can use your own GP, or the AXA Health online GP service to get this.  If you see your own GP, remember to tell them you have AXA Health membership and they’ll be able to refer you if necessary. You’ll also need to check your membership handbook to make sure you have the appropriate benefits for out-patient specialist consultations and diagnostic tests.

There are two types of GP referral:

Open referral

An open referral is where your GP doesn’t name a particular specialist but instead gives you the type of specialist you need to see. This means we can help you find a specialist and make an appointment that works for you.

Named referral

A named referral is where your GP gives the name of a specific specialist, at a particular hospital. If this happens, call us before you have any private consultations, tests, or treatment, so we can check whether that specialist is approved by us and that we’ll cover their costs. We don’t want you to have any unexpected expenses.  You can find your claims phone number in your handbook.

Authorising a treatment

Once you have your referral letter you need to send this to us and the easiest way to do this is to log in to your online account, click on the ‘Make a claim’ button from your Home page or ‘My claims’. Then select ‘Authorise a treatment or appointment’. Or you can call us.


If you have an open referral, we’ll check that you are covered, and we’ll find you a specialist. Just let us know the type of specialist you have been referred to, for example a cardiologist. We’ll then book the first available appointment for you in the most convenient location and provide you with an authorisation number to give to your specialist.

If you have a named referral, we’ll check your specialist is covered and provide you with an authorisation number to give to your specialist. 

Sometimes we can’t authorise a claim, here are some common reasons why.

What to expect at an appointment

When you go to your appointment, give your specialist your AXA Health membership number which you can find on your documents, or on a recent email from us. They may also ask for the authorisation number we’ve given you.  

If your specialist wants to carry out more tests or recommends a procedure to treat your condition, give us a call before you go ahead. Call your claims phone number, which you’ll find located in your handbook. We’ll need to check whether your membership covers this. If it does, we’ll give you a new authorisation number to give to your specialist.

If you’d like help understanding your diagnosis or treatment, our 24/7 health support line is here to help you, simply give them a call on 0800 003 004 and one of our experienced health professionals will be on hand to support you.

If you have an AXA Health plan…

Your AXA Health membership number will either begin with AXA/ or it’ll be seven numbers followed by a letter.


Need help?
Call us on 0800 302 9133 between 8am and 8pm Monday to Friday, or 9am to 5pm on Saturdays

If you have a Health-on-Line plan…

All Health-on-Line membership numbers have HOL/ in front of them.


Need help?
Call us on 01202 544 444 between 8am and 6pm Monday to Friday.


Make a health insurance claim | Claims – Aviva

How it works

We’ve made it quick and easy to make a health claim.

1.Visit your GP

See your GP if you’re feeling unwell. If they want you to see a medical professional, tell them you’ve got health insurance with us. It’s simpler to ask your GP for an open referral, so we can help find the best medical facility and consultant covered by your policy. If you choose the Expert Select hospital option, you’ll need to ask for an open referral.

2. Make a claim

You can make a claim quickly online using MyAviva or over the phone. We’ll just need to know your symptoms, when they started, and what you’ve been referred for. If we approve your claim, you’ll get the private treatment you need. 

3. And finally, we’ll settle the bills

Once you’ve had the care you need, we’ll settle bills we’ve authorised directly with your provider – so you don’t have to worry.

We’ll let you know through MyAviva if you need to pay any part of a bill, for example if you have an excess or benefit limit. If any bills are sent your way, just send us a copy and we’ll do the rest.

How to get in touch

You can make a claim quickly online using MyAviva or over the phone.

Make a claim

Use your secure MyAviva account to make a claim, or to ask a question using our live chat.

Log in Register

Alternatively, you can make a claim using our online form.

Make a claim for someone named on your policy

To make a claim for someone else who is named on your policy, please use our online form.

Make a claim by phone

Phoning in the UK

0800 068 5821

International assistance line

+44 238 124 7290

Monday to Friday: 8:00am – 6:30pm

Saturday: 9:00am – 1:00pm

Sunday: Closed

Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.


Claims (

Making a claim

Here at Freedom Health Insurance, we strive to make claims easy and straightforward, with calls answered in five rings and emails responded to within two working days.

How do I make a claim for Freedom Elite health insurance?

If you are experiencing a medical issue, you should always contact a GP to get medical advise. Should the GP feel that you need to be referred, they will issue you a referral letter. At this point, please contact us with details of the claim you wish to make. We can create your claim and advise of cover. Find out more about the Freedom Elite claims process. To make a claim now, contact us on 01202 283 580* (Monday to Friday, 9am – 6pm) or email us at

Find out more

How do I make a claim for Freedom Essentials?

To make a claim under your Freedom Essentials policy, you must first see your GP and obtain a referral letter. After you’ve seen your GP, please contact us to get authorisation for your treatment. If your claim is approved, and you need inpatient or day-patient treatment, you will receive a fixed cash benefit which you can use towards your treatment at any facility in the UK or abroad. If the treatment costs more than the cash benefit, you are responsible for any shortfall, but if there is any surplus cash after paying for the treatment, this is yours to keep. Find out more about the Freedom Essentials claims process. To make a claim now, contact us on 01202 283 580* (Monday to Friday, 9am – 6pm) or email us at

Find out more

How do I make a claim for Freedom Worldwide?

To make a claim for your Freedom Worldwide international health insurance, you must first consult your doctor. If you need further inpatient or day-patient treatment, please contact us to obtain authorisation for your claim. If your claim is approved, we are usually able to settle your bills directly with the healthcare provider.

If you need outpatient treatment, you can receive your treatment first by paying for the bills yourself, then fill in a claim form and send it along with a copy of your itemised invoice. Find out more about the Freedom Worldwide claims process. To make a claim now, contact us on 0044 1202 756 350* (Monday to Friday, 9am – 6pm) or email us at

Find out more

How do I make a Dental, Optical or Private GP claim?

If you have a Freedom Elite policy with the optional Dental, Optical and Private GP cover or a Freedom Essentials policy with outpatient cover, you don’t need to obtain pre-authorisation from us for dental, optical and private GP claims. To make a claim for any of these, please submit an online reimbursement claim form. If your claim is approved, your reimbursement will be sent directly to your preferred payment method. Find out more about how the reimbursement online claims tool works.

To read more Claims FAQs please click on the link below

Claims FAQs (


Make a claim | The Exeter (

You can register your claim in any of the following ways:

Write to us:

The Exeter
Lakeside House
Emperor Way

Call us:

Claims team:
0300 123 3253

+44 1392 36 35 36 (overseas members)

Lines are open Monday to Friday, 8am – 8pm, and Saturday 8am – 1pm

Claim online:

Complete our online claims notification form and we will call you back.

Online Claims Form

However you decide to claim, please have the name of the policyholder, the policy number and basic information about the reason for claiming close to hand.


How do I make a claim | WPA

How to make a claim

 Contact a GP

The first step if you’re feeling unwell is to get in contact with a GP as they are best placed to advise what investigations and treatment may be necessary. This can be your own GP or you can use the Remote GP Services benefit to get access to a private GP helpline 24 hours a day, 7 days a week. In a medical emergency you should seek urgent advice/treatment via the NHS – you should not delay.

If the GP feels you need investigations and/or treatment, they will refer you and tell you who you need to see. Alternatively, we can tell you which private healthcare providers (e.g. specialists, therapists and hospitals) are available in your area. Tell your GP you have health insurance cover to ensure you are referred to the correct provider.

Start a claim

Before any tests or treatment are started it is important that you set up your claim with us. This gives us the opportunity to advise you on the benefits available to you and will ensure you do not receive any unexpected expenses. You can start a claim via the WPA health app, via the My WPA area of the website or by contacting our helpdesk.

When you set up your claim you will need to provide details of your symptoms and the name and address of the healthcare provider you have been referred to. You will get an immediate decision which will confirm your claim details and the benefits available on your health insurance. You will be given an authorisation reference for you to share with your healthcare provider along with your WPA customer number.

Once your claim has been authorised you can book your specialist consultation, tests or treatment at a time and place that is convenient to you. Our website allows you to search for healthcare providers in your area that are recognised by WPA, so you can rest assured that they meet the professional standards of their governing body and your care will be of the highest quality.

Treatment provider bills

We will settle the bills for your treatment or tests directly with the treatment provider. If you have an excess, Shared Responsibility or benefit limit that is affected we will contact you to let you know what your contribution will be. You can track the progress of your claims and view any remaining benefit limits you might have via the WPA health app or via the My WPA area of the website.

Multiple Ways to Start a Claim

WPA Health app

The WPA Health app provides easy access to make a claim 24/7, track a claim and benefit limits, access 24/7 Remote GP Services, send and receive secure messages and more!


Access 24/7 Remote GP Services, contact us using Live Chat, make and track a claim or send and receive secure messages all via the My WPA Login.


Our trained, experienced UK based team are on hand to help you at every stage of your treatment journey.

01823 625230   Open 8am – 7pm. Closed Christmas Eve and Christmas Day.

Vitality Health

Make a health insurance claim | Support | Vitality

The Vitality Care Hub is the central location for managing all your health claims and benefits. As a Vitality Health member, you’ll find everything you need to start a new claim or request further treatment.

You can also claim back medical expenses, speak to a Vitaliy GP and manage your health insurance plan.

Go to the Care Hub

Start a Claim in Care Hub in 3 easy steps:

Get a referral

Speak to a Vitality GP or your own GP, or refer yourself for certain treatments

Start a claim online

Start a claim online in the Care Hub to see if your treatment is covered by your plan

Book your treatment

Choose from our list of approved specialists to book your treatment

For some conditions, you can get access to treatment via the Care Hub without needing to see a GP first:


If its covered by your health plan, you can self-refer for physiotherapy. Physiotherapy can help with symptoms affecting your muscles, joints or bones and you don’t need to see a Doctor to book. 

Mental Health support

You can self refer for mental health support with your Vitality health plan too. Get online support, self care tools as well as access to talking therapy if you need it.

Claim back for Dental, Optical and Hearing treatments

If you have the Optical, Dental and Hearing benefit as part of your Health plan, you can claim back for the costs of treatments including:

  • Sight tests
  • Glasses and contact lenses
  • Glasses repair
  • Dental check-ups
  • Dental treatment
  • Hearing aids
  • Hearing tests

If you have this benefit, you should be able to see it on the Manage My Plan page in the Care Hub.

If you prefer you can give our Health team a call on  0333 920 4123

They’re available Monday to Fridays 8am to 7pm and Saturdays 9am to 1pm. Closed Bank Holidays.

Cigna International

Claims Process Information and Forms | Cigna Global

Claims Process

If you have any questions regarding any aspect of the process, call our Customer Care Team on +44 (0) 1475 788182 or from the US on 800 835 7677.

For Spanish domestic members visit your member area for more details.

Getting treatment

When you need treatment, call our Customer Care Team on +44 (0) 1475 788182 or from the US on 800 835 7677.

We will help you to find the most appropriate hospital, clinic or doctor near you, and arrange, wherever possible, to pay them directly (less any deductibles and/or cost share options you may have chosen) – saving you the time and hassle of paying for it yourself and claiming back from us later.

You can also search for direct billing providers near you by using your secure online Customer Area. You should still contact us prior to receiving treatment.

Your hospital, clinic or doctor will usually send their invoice straight to us. However, sometimes they’ll invoice you after treatment. On these occasions, simply send your invoice and claim form to us and we’ll pay them directly, less any applicable deductibles and/or cost share options.

In an emergency

If for any reason it’s not possible to call us before treatment, such as an emergency, you may need to pay for your treatment up front, and claim your covered costs back from us, less any deductibles and/or cost shares you may have chosen. Please advise us of any emergency treatment within 48 hours.

Claiming back your costs

If you’ve paid for your treatment yourself, you’ll need to claim back your covered costs, less any deductibles and/or cost shares you may have chosen, from us. You’ll find claim forms in your welcome pack, or you can download them below.

You can send your invoice and claim form to us by any of the following means:

Submit them directly via your secure online Customer Area.

Email them to:

Fax them to: +44 (0) 1475 492113

Post them to:

Customer Care Team,
Cigna Global Health Options,
Customer service
1 Knowe Road
PA15 4RJ

Help us to reimburse you quickly

Normally, we’ll reimburse you within five days of receiving your claim. To help us achieve this, please follow these simple tips:

  • If you provide confirmation of your diagnosis or explanation of treatment you don’t need to send a claim form.
  • Tell us how and where you want your refund issued.
  • Send us your invoice and claim by fax or email scanned copies instead of posting them.
  • Please clearly state your policy number on any documentation you submit to us.

Paying your deductibles

If you chose to apply deductibles to your plan, you’ll need to pay this amount towards the treatment yourself. So, for example if you choose a deductible of £100, you’ll need to pay the first £100 of a covered claim or covered claims in any period of cover at the time of treatment. We’ll pay the remainder of the covered costs of your claim directly to your hospital, clinic or doctor. If a deductible is chosen, you would only have to pay this once during any period of cover irrespective of the number of claims.

If you chose to apply cost shares to your plans, you’ll need to pay this amount towards the treatment yourself. This is a percentage you must pay towards your cost of treatment. This applies after any applicable deductibles are calculated, and will be capped by the out of pocket maximum amount you have selected per period of cover.

If you have any questions regarding any aspect of the process, call our Customer Care Team on +44 (0) 1475 788182 or from the US on 800 835 7677.

Log in

When you Log in to your individual and family customer area you can:

Review your policy documents, Access claim forms, Find hospitals, physicians, clinics and health and wellness specialists.

April International

Easy Claim Application | APRIL International (

Easy Claim: all your services in one app

To make your life abroad easier, download Easy Claim1 and manage your international health insurance policy in just a few clicks.

Submit and track your reimbursement claims

Send us your claims for reimbursement2 of healthcare expenses, regardless of the amount3. Your history and the status of your requests are also on the app.

How to get reimbursed in 3 steps:

  1. Pay your healthcare professional
  2. Take a photo of your bills, medical prescriptions, or any other useful proof for the reimbursement of your care, and send them via Easy Claim
  3. Your reimbursement claim is then processed by our teams

Good to know: You can follow the status of your reimbursements (pending claims and processed claims) and get the details of your reimbursements directly on the app.

Download your insurance card

Forgot your insurance card at home? Don’t worry, you can present the virtual card available on the app!

In some countries, you can also benefit from third-party payment and avoid upfront expenses.

See a doctor remotely

Ask to be called back by a doctor for general health questions or a second medical opinion, directly from the app.

A doctor will call you back within 3 hours: 24 hours a day, 7 days a week, anywhere in the world, and in the language of your choice. With telehealth, you no longer need to physically go see a doctor.

Find healthcare professionals near you

Doctors, hospitals, clinics, and more: find out at a glance which healthcare professionals are recommended by APRIL International, and which ones you don’t have to pay in advance.


Request hospital care

For hospitalisations and scheduled surgeries, a prior care agreement is required. This request can be submitted directly on the app―it’s that simple!

We then take care of paying the fees directly to the hospital, without any advance on your part.

Keep your useful contacts at hand

Questions about your policy? A medical emergency? You will find all your APRIL contacts under “Get in Touch”. You can also chat live with our advisers via Facebook Messenger.

Find all your policy documents

From Easy Claim you can access all the documents you need to use and understand your policy: your table of benefits, insurance certificate, policyholder guide, reimbursement statement, etc.


Logging into Easy Claim for the first time?

Step 1 – Download and open your Easy Claim app

Step 2 – Please have your login details ready

Step 3 – On the home screen, click “1st login?”


Speak to or email an Advisor

APRIL International UK

+44 (0) 203 418 0470

Monday to Friday, 9 am to 6 pm (London time)

Alternatively, you can email

If you need to speak to an advisor from overseas, please click on the link below to find the contact number for the country you are calling from:

Contact form | APRIL International (

AXA Global

AXA – Global Healthcare claims login and information (

If you need to book an appointment for a consultation or some treatment, we aim to make it as easy as possible to make a claim – just follow the steps below. If you need treatment in an emergency, just make sure you or someone you know gets in touch as soon as possible.

Visit a doctor, or use our Virtual Doctor service

If you have a medical concern, you can visit your doctor or speak to an independent online doctor, using our Virtual Doctor service.

If you’re an AXA member, you’ll have access to unlimited phone and video consultations with experienced, qualified doctors 24/7.1 

There’s no need to pay your excess if you have one, or make a claim for a virtual doctor consultation, unless further treatment is needed.  

It’s easy to register and book an appointment. Simply download the Virtual Doctor from AXA app on iOS or Android app store, or visit online. If you’d prefer, you can call at anytime 24/7 on +44 (0) 203 4995 487* to arrange a call back.

Questions? Take a look at our Virtual Doctor frequently asked questions  to find some answers.

Looking for mind health support? 
Available through the Virtual Care service, the Mind Health service connects you with a fully qualified psychologist who will provide you with the support you need, wherever you are in the world. Whether that’s one phone or video call or a course of up to six sessions.2

If you’ve bought an individual policy for yourself and your family, you’ll have access to this service straight away.  If your policy is provided by your employer, you’ll need to check your healthcare hub or with your HR team to see whether this service is included with your cover.

To use the Mind Health service, you’ll need to register on the Virtual Care portal or the app. Once you’re set up, tap on the Mind Health service, and complete the form to request a mind health consultation.

You don’t need to make a claim or let us know that you’re using these services, unless you’re referred for further treatment with another specialist.

Contact us before you book your treatment or consultation

We’ll check that you’re covered and answer any questions you may have. Sometimes, we might need some more information about your medical history, so we’ll ask you and your medical practitioner to complete a Medical Information Form. You won’t need to find this online – we’ll send you whatever we need.

You can start your claim via your online account or over the phone – you can call us anytime on +44 (0)1892503 856*. 

Need help finding a hospital or clinic? 

We work with healthcare providers around the world, so if you need help finding one in our network, you can use our online provider search tool. This can help you find your nearest health provider, based on your location or by the type of treatment you need.

Pre-approve your claim before you visit a specialist or receive your treatment

If your claim is eligible, we’ll pre-approve it so you can visit your healthcare provider. We’ll give you a pre-approval number, which you’ll need to take to your appointment, along with your customer number. You can find your customer number on your membership card. Your medical provider may ask for this in order to send invoices to us for payment. 

If you’d rather, you can pay for your treatment directly to the specialist or clinic. Make sure you keep hold of the itemised invoice and receipts to send to us – we can pay you back for eligible treatment you’ve paid for.

We can pay you back by cheque, or directly into your bank account – whichever you prefer. If you’d like payment to your bank account, you’ll just need to update your payment preference and bank account details in your online account. 

Leave the rest to us

The most important thing to do after your treatment is to take time to rest and recover.

If you’ve already paid for your appointments or treatment, simply send us the invoices and receipts – along with any additional information we’ve requested – and leave the rest to us.  

We aim to pay you back quickly. When we have all of the information we need, we settle almost 81% of eligible claims within just 2 days.3 

If we’ve pre-approved your claim, we’ll arrange to settle the bill with the medical provider directly. 

Once your claim has been processed, we’ll send you a Benefit Statement to let you know what’s been paid.

Click the following link to log in to your AXA Customer online account LOGIN

Emergency Assistance

If you find yourself in an emergency and need immediate in-patient treatment that’s not available locally, we’ll organise for you to be evacuated to the nearest medical facility, where you can access the care you need. Whether it’s a short drive or an international flight away, we’ll get you there quickly and safely. When you’re feeling better, we’ll get you back home safe and sound. 

Should you need to use this service, simply call our Emergency Assistance Centre on: +44 (0) 1892 513 999.*