A Quick Overview of Health Insurance Cards
Health insurance policies offer many benefits and are considered to be absolutely essential in current times. However, during a medical emergency, would you really prefer to undergo the paperwork of raising a health insurance claim? Probably not! This is where a health insurance card can come to your rescue and help you get the required medical attention without any extra hassle. Nonetheless, if you are wondering what health insurance card is, do not worry! Here is a quick overview of a health insurance card:Health insurance card meaning
Health insurance cards are like an identity proof of your health insurance policy. This card gets issued along with your health insurance policy and is sent to your home via post. These health insurance cards are printed with all the information that the hospital requires to validate your insurance claim.
A health insurance card typically contains your name, date of birth, type of health insurance policy availed, policy number, and date of expiry, among other details. These details help the healthcare professional analyse the coverage of your insurance policy and allow them to administer medical treatments that suit your budget and the terms and conditions of your policy.
You can use your health insurance card to raise cashless claims and reimbursements claims. However, a health insurance card has an added advantage when it comes to raising cashless claims: it greatly reduces your paperwork. As a result, with just an authorisation letter and a health insurance card, you can easily get the required medical attention without going through any extra hassle.What are the benefits of a medical insurance card?
- Complete convenience during the claim settlement process
Whether you are raising a cashless claim at one of the partner hospitals of the insurance company or opting for a reimbursement claim, the health insurance card can offer all the information that the hospital may require to process your medical claim. As a result, you do not have to carry a lot of documents to receive the medial attention you require.
- Family health insurance plans offer multiple insurance cards
If you have purchased a health insurance plan that covers your entire family, the insurer will provide every family member with one health insurance card. With these cards, they can get the medical attention they need even if you are not available at that moment. The insurance records are automatically updated when one of your family members raise an insurance claim. Consequently, this gives each family member direct access to the required medical attention in times of an emergency.
- It reminds you of your renewal date
Your medical insurance card contains the expiry date of your insurance policy and serves as a reminder to keep your cover active. When you renew your coverage on time, you retain the No Claims Bonus (NCB) which is a benefit your insurer gives you for every claim–free year.
Now that you are aware of the importance of a health insurance card, do make sure to keep yours safely. You can keep it on person in your wallet so that you have access to the card at all times.