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.
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.
Health Insurance Companies
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.