What is a Health Insurance Card, and why do you Need It?

Health is a significant aspect that leads to physical and mental well-being in the right direction. Adequate health insurance planning is crucial for individuals seeking comprehensive healthcare coverage. A comprehensive insurance plan ensures policyholders can access immediate financial assistance and benefit from cashless payments.

However, maintaining the status of the insurance plan is a prime responsibility. A healthcare card is the best and most convenient solution to manage insurance at the right time. Please keep reading to learn what it is and how it can be beneficial.

What is a Healthcare Insurance Card?

A health card is an identity proof issued at the time of purchase of a policy or its renewal. It is essential to show the card at hospital facilities to seek cashless hospitalisation or reimbursement of health claims. It contains all the relevant details of the insurance policy, including personal information, policy details, and coverage.

The card digitally assesses the coverage and facilitates direct payment by the insurer. One can easily purchase health insurance in India online and receive the card at their doorstep.

What are the Details Present on a Healthcare Insurance Card?

An insurance card contains all the pertinent information about the health insurance best plan, including:

• Name of the policyholder
• Date of birth
• Name of the insurance company
• Healthcare policy number
• Type of insurance policy
• The sum insured under the policy
• Date of expiration of the policy

How can you get a Healthcare Insurance Card?

After one purchases the best health insurance plan, the insurance company mails them the insurance card and policy details. However, individuals can request it online from the insurance provider if they have not received the card.

Obtaining a health card is a straightforward process. Policyholders can simply contact the insurance provider via their toll-free number, email, or website. Some insurers provide separate insurance policy cards for each member in a family insurance plan, allowing individuals to request their card even within a family floater plan.

Why is it Important to Have a Healthcare Insurance Card?

An insurance card is significant for the following reasons:

1. Easily Contact the Insurance Company

Each insurance company provides a toll-free helpline number for claims and inquiries. However, these numbers can be difficult to recall. The health card comes to the rescue with an emergency helpline number printed.

The helpline number enables policyholders to swiftly contact and report an insurance claim during a medical emergency.

2. Cashless Hospitalisation

Insurance cards are effective when an individual is admitted to a hospital within the insurance company’s network. One must present their health card at the hospital to receive cashless treatment.

3. The Insured can Quickly Obtain Policy Details

Policyholders must provide the policy number and customer identification number for verification purposes when filing a claim. Searching for policy documents to find these details can take time and effort during emergencies.

The insurance card contains a Unique Identification Number (UIN) and allows quick access to policy information.

4. Identification Card for Cashless Treatments

The health card serves as the policyholder’s identity card during cashless hospitalisation. Hospitals can confidently provide treatments by verifying the card’s details and matching them with the policyholder’s ID proof.

5. Validity Date

Like the expiration date on credit or debit cards, the insurance card also displays the policy’s validity date. When the date expires, the policyholder must renew the policy and obtain a new card. It aids policyholders in timely premium payments and renewals to maintain continuous coverage.

6. Easy Claim Validation

Another advantage of possessing an insurance card is its role in claim validation. Hospitals use the card to verify and cross-check policy details and the policyholder’s identity and validate the insurance policy. The hospital approves claims and facilitates cashless treatment once everything checks out correctly.

Conclusion

A health card streamlines the claim process, ensures seamless costs for hospitalisation and treatments, and serves as a vital identity card in emergencies. It is crucial to obtain one that provides multiple benefits to make the most out of the insurance policy.

Health cards have become a vital asset while dealing with hospitals. One can invest in Niva Bupa, the best health insurance company to take advantage, especially when making claims during hospitalisation. Those looking for the best health insurance plan can purchase a tailored and extensive policy depending on their needs.

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