If you're looking to make a claim under your Saga Health Insurance policy, please refer to the step-by-step guide below:

Step One: Being referred for treatment Your consultation or treatment must follow an initial referral by: a GP (including via a digital GP service) or dentist or another healthcare practitioner. The situations in which we will accept such a referral are set out on bupa.co.uk/referrals. For muscle, bone or joint pain, see the ‘MSK Direct Access’ explanation on this page; for skin, breast or prostate concerns, see the ‘Self-referral service’ explanation on this page; or for mental health conditions, see the ‘Mental Health Direct Access’ explanation on page 10.

Step Two: You need to call us on 0330 018 0778 or you can contact us digitally by visiting bupa.co.uk or download the Bupa Touch App. To help us make the claims process as simple and swift as possible, please have the following information close to hand when you call us:

• your policy number

• details of the condition you are suffering from

• details of when your symptoms first began

• details of when you first consulted a GP about your condition

• details of the treatment that has been recommended.

Step Three: We will explain which nearby specialists, facilities and healthcare professionals are available under your benefits and provide you with a pre-authorisation number so your healthcare provider can send the bill directly to us. If your specialist recommends further tests or treatment, it is important you check back with us to obtain further pre-authorisation. We strongly advise you to call us before arranging or receiving any treatment to pre-authorise it, as you will be responsible for paying any fees or charges that are not covered under your benefits.

Step Four: Usually, we will pay the providers of your treatment directly.

Please send any correspondence to: Bupa Claims, Bupa Place, 102 The Quays, Salford M50 3SP.