What is a Health Card in Health Insurance? Its Benefits and Details

Health insurance has become integral to everyone’s life as it offers financial protection from rising medical costs in case you or your family face a medical emergency. Given the medical inflation, having health insurance with an optimal sum insured has become essential. When you buy a health insurance plan, you must carefully look at the coverage features that the policy offers and the premium you have to pay. When the plan is issued, you get a health card like a regular debit or credit card. 

In this article, we will discuss the importance of the health card and how it benefits insured individuals. 

What is a Health Card?

A health card is an identity verification issued at the time of purchase of a health insurance policy by the insurer. The health card helps verify you as a policyholder with an active insurance plan. If you wish to avail of health insurance benefits, having a health insurance card is of utmost importance. You can think of a health card as a document pivotal to filing cashless and reimbursement claims. 

When you visit a network hospital to receive medical treatment, you must show your health insurance card at the insurance desk. You must reach out to your insurance provider and apply for a health card online if you are yet to be issued a health insurance card. 

What are the Details on a Health Card?

The health card details the information related to your health insurance policy. It is unique to every individual and should be maintained for extended usage. A health insurance card comprises all the relevant information about your insurance policy, such as:

  • Your name
  • Your date of birth
  • Name of the health insurance company
  • Health insurance policy number
  • Type of health insurance
  • Sum insured under the policy
  • Date of expiration of the policy

Whether you intend to file a reimbursement or cashless health insurance claim, you must have your health card handy.

Benefits of Health Insurance Card

A Health card is key to unboxing the benefits of your health insurance policy. Here are some of the real health card benefits that you should be aware of:

Avail Cashless Benefits

Health cards work only if you get hospitalised in a network hospital of the insurance provider to deliver you cashless treatments. However, if you have the card handy and present it upon hospitalisation, you can initiate the cashless claim settlement process efficiently and quickly. 

Easy Contact with Insurance Provider

Your insurance provider may have a toll-free helpline number that can be used in case of claims or queries. In addition, the health card contains the emergency helpline number of the company. You can, therefore, contact the insurer to intimate your health insurance claim. 

Access to Policy Details

While filing for a claim form or informing the insurance company of your claim, you need to mention your policy number or customer identification number so your details can be verified. For all you know, your insurance policy may also have critical illness or accident insurance coverage. Therefore, you must be completely aware of all the features and benefits of health cards to get the policy details at your fingertips. 

Serves as an Identity Card

Your health card acts as your identity card when you avail of cashless hospitalisation. The hospital can verify your identity and allow cashless treatments by using the details mentioned on the health card and matching them with your ID proof.

Specifies the Validity

The health card also contains the date to which health insurance policies would be valid. After the validity expires and when the health plan is renewed, a new card is issued. Thus, using the card, you can determine whether your medical insurance coverage is active.

Clarifies the Eligibility of Claims

A health card validates medical claims. When the card is presented for cashless treatments with a network hospital, they can cross-check your identity, the policy records, and the validity of your health insurance policies. The hospital can validate your claim and allow cashless treatments upon finding everything in order. 

To Conclude

Given such valuable benefits and features, a health card in India is thus the best solution that is timely and digitally the best to process your insurance righteously. You can avail of a health card with Niva Bupa Health Insurance plans. For more information, visit the Niva Bupa website today!

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