Health insurance is a wise investment tool that provides financial support to you and your family in case of sudden medical emergencies. However, when someone (covered under the health insurance policy) is hospitalised, the insurance desk at the hospital will ask for a health card.
A health insurance card acts like authentication for the hospital and the insurer that the concerned individual is covered under the said policy. The health card is a vital document and contains the health insurance policy number, name of the insured, date of birth, and the sum insured amount. Each member enlisted in the health insurance will have a separate health insurance card issued to them by the insurer when purchasing the policy.
Let us learn about health insurance cards in detail.
A health insurance card is assigned to you (the insured) by the insurer upon the purchase of a health insurance plan. The card acts as an identity proof to ensure that the individual has an active health insurance plan by the said insurance provider.
The health insurance card is your access to avail treatment at the network hospitals enlisted by the insurer free of cost. It is usually known as availing cashless claim settlements wherein the insurer will compensate for the expenses incurred directly with the hospital.
Ideally, the health insurance card comes along with your policy documents when you buy the health insurance plan. Depending on the type of health insurance plan you have selected, the card will contain the names of the insured individuals.
Many a time, insurers allocate health insurance cards to each member covered under the policy. If you have not received a health card from your insurer, get in touch with a representative and get one for yourself and other covered members as soon as possible.
While the health insurance card may look like an ordinary identity card, it holds a significant purpose with regards to health insurance. The benefits of the health card are as follows -
As mentioned earlier, the health insurance card allows you to avail cashless treatments at any of the network hospitals enlisted by your insurer. So, when you get admitted to a network hospital, all you have to do is present your health card.
The hospital will then initiate the cashless claim settlement process. Upon verification, your insurer will settle the expenses incurred with the hospital directly. In case the coverage is insufficient, the insurer will update you on the same. The claim will be settled after you pay the additional amount to the hospital.
The health insurance card will have the customer care support number printed on it. In case you are unable to avail certain benefits on your health insurance plan or have any other concerns, you can contact your insurer quickly.
Moreover, the insured needs to inform the insurer to initiate the claim settlement process as soon as possible. Thus, having the health insurance card with the contact details of the insurer comes handy in stressful times.
As we know, the health insurance card has the following details on it -
So, during medical contingencies, you do not have to worry about searching for your health plan. All the necessary details are available to you on the health insurance card, which further makes the claim settlement process hassle-free.
Most insurers also have a validity of the health insurance card. It is the same as the validity of your health insurance plan. So, when you renew your health policy, the insurer will issue you a new card. Moreover, the health card can also help you understand whether your health insurance is active or not.
Based on this article, it is given that the health insurance card is utmost necessary, and you need to carry it with you at all times. In addition to this, it is imperative that you buy health coverage that is sufficient to cover the expenses incurred.
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Yes. When you buy a health insurance plan, the insurer will issue a health insurance card to you and the people covered under the policy.
After you are hospitalised at the network hospital, present your health insurance card to the reception or insurance desk at the facility. The representative available will verify the card and initiate the claim with your insurer. The insurer will verify your details and process the claim. The claim settlement will be done directly with the hospital.
Yes. The insurer will issue a new health insurance card after you renew your health policy. In case you do not receive one with the renewed health plan, get in touch with your insurer and resolve the query as soon as possible.