health-insurance-card
By Okbima 22 Apr 2024 9

Health Insurance Card: Meaning, Benefits & What Information Included?

 

A Health Insurance Card is a special card that shows you have health insurance. In India, it's important to have one for financial help if you have medical costs. You can get this card from your health insurance provider. Let’s know its benefits, what information is included & how you can get yours.

 

What Is A Health Insurance Card?

A health insurance card is a document that includes information about your name, policy number, validity, and coverage details & contact information for the insurance company. In India, healthcards are issued by insurance companies to policyholders and serve as proof of their insurance coverage.

When you show it at a network hospital, they can verify your insurance and handle your medical bills directly (cashless hospitalization). In some cases, it might be required for reimbursements too. You can also get digital versions on your phone for easier carrying.

 

Health Card Benefits

Many health card benefits can reduce financial burdens & anxieties when it comes to medical care. Here are some of the benefits of having a health card.

  • Cashless hospitalization: When you show your card at a hospital in our network, they check your coverage and pay the bills directly to your insurance company, as long as you haven't reached your policy limit. This means you don't have to worry about paying a lot of money upfront for your treatment.

  • Simplified claim process: Even if you undergo treatment at a non-network hospital, you can still file a claim for reimbursement. The health card simplifies this process by providing a record of your coverage and streamlining communication with your insurer.

  • Faster Treatment and Peace of Mind: During medical emergencies, getting timely medical is crucial. Having a healthcard eliminates the financial worry, allowing you to focus on getting the treatment you need right away.

  • Easy Access to Coverage Details: Your health card offers a quick way to access important information about your health insurance plan, such as your policy number, coverage type (inpatient, outpatient, etc.), and sum insured (maximum coverage amount). 

 

Lower Your Medical Expenses With The Best Health Insurance Plan: Get A Quote!

 

What Information Is Included In A Health Card?

A health insurance card is a mini ID for your health coverage, which includes details that you'll need to access your benefits. Here's what information you'll find on a medical insurance card.

  • Your Identity: This includes your full name and date of birth.

  • Policy Details: It will display your unique policy number, which identifies your specific health insurance plan within the insurance company. You'll also find the type of health insurance plan you have (individual, family, etc.) and the sum insured, which is the maximum amount your insurance company will cover for your medical expenses.

  • Validity Period: The card will have an expiry date mentioned. This indicates the end of your current coverage period. It's important to renew your policy before the expiry to avoid any lapse in coverage.

 

Get The Best Health Insurance Offers When Renewing Your Policy: Contact Our Experts!

 

Why Should You Have A Health Card?

There are so many reasons to have a medical insurance card such as smooth cashless hospitalization, simplified reimbursements, easy access to coverage details, etc.

  • Smooth Cashless Hospitalization: The primary benefit is enabling cashless hospitalization at network hospitals. When admitted, simply show your card, and the hospital will handle the bills directly with your insurer, saving you from upfront payments for expensive treatments.

  • Simplified Reimbursements: Even outside network hospitals, you can still file claims for reimbursement. The health card is proof of your coverage and streamlines communication with your insurance company during the claim process.

  • Faster Treatment & Peace of Mind: During emergencies, immediate medical attention is critical. Having a health insurance card eliminates the need to worry about upfront medical costs, allowing you to focus on getting the treatment you need right away.

  • Easy Access to Coverage Details: Your health card offers a quick way to access important details about your health insurance plan, such as your policy number, coverage type, and sum insured. This information can be helpful when communicating with your insurer or healthcare providers.

 

How You Can Get A Health Card?

Getting a medical insurance card is easy. You usually get it when you sign up for health insurance. Here's how you can get yours.

  • When Enrolling in a New Plan: If you're buying a new health insurance plan, either individually or through an employer, you'll receive your health insurance card automatically after your policy is active. This might come within a few weeks via mail or you might be offered a digital version.

  • Contacting Your Insurance Provider: If you don't receive your card within a timeframe (around 2-4 weeks),  you can contact your health insurance provider directly. They can check on the status of your card and reissue one if necessary. 

  • Checking Online Account (if available): Some insurance companies offer the option to access and download a digital copy of your health insurance card through their online account portal. If your insurer provides this service, you can log in and download the card for your convenience.

 

Read More:

ABHA Card (Ayushman Bharat Health Account): Benefits, Apply & Documents

Top 10 Health Insurance Companies in India 2024: Ranked by IRDAI

Best Family Health Insurance Plans in India 2024

Best Health Insurance Plans in India 2024: Coverage, Network Hospitals & CSR

 

Conclusion

In conclusion, a health insurance card is important because it allows you to get medical help and pay for it. It has details like your name, policy number, and contact info for the insurance company. This card can help ease money worries during emergencies and make sure you get the care you need to stay healthy. For the best health insurance plans or any help, you can contact “Our Experts”.

 

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