With the ever-increasing health complications, health insurance is pivotal for all of us. Just as health policies are important, a health card also plays a significant role in times of medical emergencies.
It is indeed a game-changer in your insurance journey! A health card is a powerful tool that simplifies many things during medical emergencies. Let us find out all the crucial information about a health card and learn how it can benefit us.
What is a Health Card?
A health card is similar to an ID Card, but it is issued by the insurance company when you buy an individual health insurance, family floater insurance plan, or any other insurance. The health card serves as an identification card, establishing the fact that you are the policyholder and eligible to avail the insurance benefits.
It is an excellent tool that simplifies the steps for both the insured and the insurer and brings much convenience to the entire insurance claim process. Since everything today is digitised, you also have the option of a digital health card, which is even more convenient.
Importance Health Card
Easy Access to Cashless Claim Facility
You can use the health card to avail the cashless claim facility when you require any medical treatment. All you have to do is submit the card at the hospital and they can get access to all the required information on the card. Your insurer then settles the bill, saving you from all kinds of claim hassles.
Policy Information at the Fingertips
Your health card contains all the necessary information, such as your personal data, policy details, insurer details, etc. Thus, you can use it for various health-related purposes, such as treatments, health check-ups, etc.
Serves as a Medical ID
It helps the hospital to identify you and retrieve all the information that they require to start the admission or treatment process. It saves a lot of time that is wasted in procuring information at the time of admission.
Facilitates Contacting the Insured
The health card contains the insurance company’s emergency/toll-free number. Thus, if you face any emergency or have claim-related queries that need an answer, you can reach out to the insurer quickly by accessing the card.
Discounts
Your insurer may also provide offers and discounts on health cards. For example, you may get a discount on health check-ups, tests, medicine purchases, etc.
Convenient and Easy to Access
A health card can stay in your pocket or your digital locker. So, whenever you require any essential information about your insurance policy, you can access the card and find the information quickly. Thus, having a health card adds convenience and provides you with convenient access to the required information.
What Information is Present on the Health Card?
1. Insured’s Personal Information
It contains all the basic and essential information about the insurer, including the name, date of birth, gender, family details covered under the plan, etc.
2. Policy Number
The card also consists of the policy ID number that is linked to your insurance plan. It is a unique identification number that can be used to find out the details of the policy, coverage, insured and so on.
3. Insurer Details
You will also find the insurance company details along with its logo and name, toll-free number and other details related to claim enquiries.
4. Coverage Data
Some health cards also provide data related to the policy coverage, limits sum insured, benefits, and much more.
5. Validity Period
You will also find the validity information on the card, specifying the date on which the policy expires. It is important to keep a check on the validity and renew the policy on time to continue getting the benefits.
Get All Round Protection with TATA AIG Health Insurance
A health card is a part of health insurance plans, which adds much convenience and accessibility to your insurance policy details. Health insurance is an excellent protective cover that saves you from financial distress during medical emergencies.
To get efficient and affordable health plans, you can rely on insurers such as TATA AIG. They offer various types of health insurance plans for individuals, families, senior citizens, and groups.
Their Medicare Premier health insurance plan is a popular product that is suitable for individuals and families. It insures individuals aged 91 days up to 65 years with a wide range of benefits. Their plan includes global coverage for planned treatments, high-end diagnostics cover, emergency air ambulance, and much more.
With a sum insured option of ₹5 lakhs to ₹3 crores, you can rest assured that you will get the best healthcare facilities when you require them the most.