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If you have purchased a health insurance policy or searched about it online, chances are you have already come across the term ‘health insurance card’ or ‘health card’. These are identity proofs issued by the health insurance provider at the point of policy purchase or renewal. It contains some basic details about you and your ongoing insurance plan. However, if you have not yet received your card or looking to learn more about it, this article will provide you with detailed information on health insurance cards.
A health card is a form of identification supplied by a health insurance provider at the moment of the acquisition of a medical insurance plan. This card serves as proof that you are insured with a current health insurance plan. If you want to make use of medical insurance advantages, you must have a health insurance policy card. Whenever you go to any network hospital for medical service, you must present your health insurance policy card at the hospital's insurance desk. You can consider this health insurance card to be a certificate that is essential for filing both cashless as well as reimbursement health insurance claims.
A health insurance policy card contains the following details:
Insured’s full name
Insured’s date of birth
Health insurance provider’s name
Insured’s ongoing health insurance policy number
Type of medical insurance policy subscribed by the insured
Total sum insured under the ongoing health insurance plan
The expiration date of the ongoing health insurance plan
Note: This is a generic list of the information offered by a health insurance provider’s health card. Some health insurance companies’ health insurance cards can carry more or fewer data depending on the insurer’s will. Please refer to your health insurance provider for more comprehensive data.
A health insurance card is essential for gaining access to the advantages of your medical insurance coverage. Here are a few of the most important health card perks to be informed of:
A health insurance policy card is essential for making use of your health insurance policy's cashless hospitalisation benefits. You are not required to spend on the healthcare treatments you receive since your health insurance covers these costs.
You may simply utilise your health insurance policy card if you require medical care, including in-patient hospitalisation, anywhere across the nation. By presenting the health card, you will be able to receive cashless services from any of the multiple network hospitals or medical facilities near you. To obtain a cashless medical service, you must provide your health insurance policy card while visiting a network hospital affiliated with your current health insurance provider. You can get a list of all network hospitals at your insurance provider's online website. The network clinic will send the pre-authorisation document to your current health insurance provider only after validating the information on your health insurance card. Once your insurance provider has authorised your cashless health insurance claim, they will reimburse your medical fees directly with the concerned network clinic or hospital.
Among the primary advantages of an insurer-provided health insurance card is that it contains all of the relevant information regarding your insurance coverage. You are not required to read the policy paperwork to verify minor facts such as the status of your policy, your policy number, and so on. You may get the essential information from your health card:
The policy number
The policy's total sum insured
Aside from that, the expiration date of your health insurance card is usually similar to your ongoing health insurance coverage. As a result, you can simply keep tabs on your health insurance policy's renewal date. When you renew your current health insurance policy, the insurer will provide you with a fresh health insurance card, which is the easiest way to determine the status of your policy!
Some health insurance policy cards also provide vital information like your health insurance company's customer service phone number. If you need to reach the support staff, you may do so by calling the number provided. It is important to remember that in any event of both scheduled and emergency medical treatment, you must notify your health insurance as soon as possible to avoid possible claim denials. You can accomplish so by calling customer service or sending them an email.
When you acquire a medical insurance plan, your health insurance provider will mail you the insurance policy papers as well as your health insurance card. If you have not obtained your health insurance policy card yet, you can approach your insurance provider and seek a cashless health insurance policy card online. You may get a health card instantly by contacting the health insurance company using their toll-free phone, email, or their online site. Many insurance providers may give individual health insurance policy cards to every member of a family health insurance plan. So, even if you are under such a family floater plan, you can always ask for a health insurance policy card of your own.
You do not need a physical health insurance card. An online health card is good enough to get a cashless hospitalisation at any of the network hospitals.
You should now understand the significance and perks of having a health insurance policy card issued by your health insurance provider. This health insurance card entitles you to cashless treatment, including hospitalisation for both scheduled and emergency treatments across the nation at any network hospital. As a result, it is suggested that you always have your health insurance policy card with you.
If you haven't been provided with a health card by your health insurance provider, you must contact the company and apply for one immediately.