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  • Understand the importance of Health Care
  • What is Health Card
  • Benefits of Having a Health Card
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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.

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.

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What are the Benefits of a Health Card?

The digital health card offers a wide range of benefits to its customers. It simplifies financial proceedings in a hospital. Let's take a closer look at the benefits of having a smart 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.

Conclusion

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.

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September 27, 2022

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Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. 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 PolicyX.com Insurance Web Aggregator.