Health Insurance
  • Cashless claims
  • Convenient to carry
  • All information in one place
Health Insurance
Toll Free No. 1800 4200 269


Policy ID: 100590

Valid upto: 23/04/2024
Toll Free No. 1800 4200 269


Policy ID: 100590

Valid upto: 23/04/2024

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Important Benefits of Having a Health Insurance Card

Health insurance has become an essential part of everyone’s life as it offers you financial protection from the rising medical costs in case you or your family face a medical emergency. In recent years, the health insurance industry has not been left behind as the world has evolved in digitization and technological breakthroughs.

Today, health insurance companies provide health cards to their policyholders at the time of purchase of the policy. A health card can be very useful at the time of claim. Moreover, to maximize the benefits of the policy; opt for a health insurance card. However, always remember that the benefits of a health card or health insurance card are only valid at network hospitals of the Health Insurance Company.

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What is a Health Card in Health Insurance?

A Health insurance card is an identity card that holds information such as Insurer details, policyholder details, and other policy information. The health card looks like a regular debit or credit card, it is a plastic card that has a digital chip inside. With the help of digital health cards, policyholders can get cashless payment solutions for hospital bills and other healthcare costs.

When policyholders show their health insurance card to the hospital, the management will conduct a digital analysis of your financial coverage to help you prepare for your treatment. They might also have the expenses paid directly by the insurance company.

What are the Details present in a Health Card?

The information present in a health card is related to your health insurance such as your name, policy number, type of health insurance policy, sum insured, expiry date, and so on. It is unique to each individual and should be carefully maintained for long-term use.

How to Get a Health Card?

Health Insurance companies will provide digital health cards to the policyholders at the time of purchasing the health insurance plan. If your entire family is covered under health insurance, each insured member will receive a separate and unique health card.

How to Get a Health Card Online?

Your health card contains the proof of you being covered under a health insurance policy and thus, is shipped to you along with your policy document and other necessary documents that are delivered to you once you purchase a health insurance policy. If you haven’t received a health card from your insurer you can apply for the same from the comfort of your home online and get a digital one. Contact your insurer via their customer care number or an email and request a digital copy of your health insurance card. If your insurer provides the same on their specialized app they will instruct you accordingly and by filling in some basic details you will be able to retrieve a digital version of your health insurance card online.

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What are the Benefits of a Health Card?

A health card is like a summary of all your health insurance details confided in one place. Health card benefits are numerous and so are its uses. Let’s have a look at some of the prime benefits of a health card:

  • Cashless Claims
    During medical emergencies, a health insurance card can be used to make cashless payments at the hospital. In case of a medical emergency, you must bring your digital health card with you and must submit the authorization letter to the hospital. After registering for the treatment, the insurance company will pay the hospitalization expenses directly to the hospital.
  • Contact the insurance company easily
    Every health insurance company provides a toll-free customer service number that can be called in case of a claim or to get answers to your questions. However, remembering these numbers is not a possible task. The digital health card is very useful in this situation. The emergency helpline number is mentioned on the back of the health card. In case of a medical emergency, the policyholder can instantly dial the helpline number and report the claim.
  • Health Card Serves as an Identity Card for Cashless Treatments
    When a policyholder uses cashless hospitalization, the digital health card can be used as an identity card. By using the information on the health card and matching it with ID proof, the hospital can verify the policyholder's identification and provide cashless treatment.
  • Specifies the Validity Date
    Just like the debit card or credit card, there is a validity date mentioned on the smart health card of the health insurance policy. After the expiry of the validity date, policyholders need to renew their health insurance policy and the insurance company will issue a new digital health card to them. Hence, the policyholder can pay the policy premiums regularly and renew the policy on time. It also helps the policyholders to find out whether the health policy is active or not.
  • Ease and Convenience
    Using a smart health card is beneficial because of the ease and convenience offered in the event of a medical emergency, particularly when it comes to meeting hefty hospitalization costs. The most significant benefits of digital health cards are that they allow quick, cashless payments.
  • All the information in place
    Your health card, digital or otherwise, contains all the necessary information about your health insurance coverage. With a health card, you do not need to go through your policy document, again and again, to search for your insurance details. Details like the type of the policy, policy number and sum insured are all there on the card itself.
  • Availing cashless treatments
    While you are being hospitalized, producing your health card to the hospital authorities makes everything super easy. All you have to do is present them with the card; the rest of it is done by the hospital teams only and all you have to do is get the best treatment as the health card will give all your coverage details. It saves you the hassle of getting involved in hospital procedures when you are not well.
  • Instant contact with the insurer
    Your health card also contains details like the contact information of your insurer. This comes in handy when you are stuck in a situation where you cannot search for these details online. You can just check your health card and get in touch with the insurance company.
  • A good reminder of your health coverage validity
    The health card from your insurer is only valid till the existence of your health insurance policy. When you renew your policy the insurer provides you with a new health card. And therefore, it is a great reminder of the validity of your health plan.


Now that you're aware of the benefits of having a health insurance card, keep it handy in case of an emergency. You never know when you'll be hospitalized due to a medical emergency. You can present the card to the hospital to minimize delays in cashless treatments.

Unique ID proof with all the relevant details is a must to contact your insurer, process your payments, and settle your hospital medical costs quickly. In India, a health card is the most convenient and technologically advanced way to manage your insurance at the right time.

Health Insurance Card: FAQ

1. What is a health insurance card?

A health insurance card looks just like a debit or credit card which holds information like insure’s details, policyholder’s details and more.

2. What are the benefit of a health insurance card?

A health card is a handy way to carry the details of your insurance policy. At the time of hospitalization you can present the card and avail cashless claims hassle free offering various other health card benefits.

3. What comes in health insurance card details?

A health insurance card holds your policy number, name, date of birth, type of policy, and date of expiry.

4. What is the difference between health insurance and a health insurance card?

A health insurance card is a health insurance identity proof having your personal details, your policy’s details and the details of the policy provider. Health insurance comprises the insurance that you have bought for yourself. A health card contains the details of your health insurance.

5. What are the requirements to get a health insurance card?

You get access to your health insurance card when you purchase a health insurance plan. Your insurer will give you the health card and the policy documents.

6. Is a health insurance card important?

A health card ensures that you have a seamless hospitalization process with everything at one place. It saves you from carrying your policy document everywhere. Consider it as an identity card for your health plan.

7. What can I do if my health card is lost?

You can contact your insurer and get a digital one or a new one. Your insurer will ask for some details and they will issue a new health card to you.

8. Can I get a health card online?

Yes, you can contact your insurer and get a digitalized version of a health card.

9. In my family floater plan who will get the health card?

In a family floater plan, every member of the policy gets a different health insurance card.

10. Can we use the card to avail cashless payments?

Yes, in times of emergency health insurance cards can be used for cashless payment in the network hospitals. The customer can submit the card to the payment desk of the hospital and can collect it later once the treatment procedure is over. The insurer will send the amount directly to the hospitals.

11. Can we change the details on the health insurance card?

No, the details on the card cannot be changed. In case of policy renewal if the policyholder changes the SI, a new card will be issued in which the modified SI will be mentioned.

12. Does a health insurance card have an expiration date?

The card will also expire when the policy does.

13. Do government policies also provide health insurance cards?

Yes, the government also provides a health insurance card on buying their policy.

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Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.