pre-authorization
[/priː ɔːθərɪˈzeɪʃən/]
nounpl: pre-authorizations
pré-autorização
1. Prior approval granted by a financial institution, insurance company, or service provider before a transaction, service, or procedure is performed
The hospital required pre-authorization from the insurance company before scheduling the surgery.
O hospital exigiu pré-autorização da seguradora antes de agendar a cirurgia.
2. A hold placed on a customer's credit or debit card account to verify funds availability for a transaction
The gas station placed a pre-authorization hold of $100 on my credit card.
O posto de gasolina colocou uma pré-autorização de $100 no meu cartão de crédito.
3. Written approval obtained in advance for medical treatment or procedures covered by insurance
You need pre-authorization for that dental procedure to ensure your insurance will cover it.
Você precisa de pré-autorização para esse procedimento odontológico para garantir que seu seguro cubra.
Pre-authorization is a critical concept in both Brazilian and American financial and healthcare systems. In the USA, it is especially common in health insurance where procedures often cannot be performed without prior authorization from the insurance company. In Brazil, it is increasingly important in credit card transactions and healthcare services (particularly with private insurance plans). The process protects both the service provider and the customer by ensuring funds are available and that insurance coverage applies before the service is rendered.
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