Understanding health cards in health insurance: What you should know

Health insurance has become very simple and straightforward these days, making it easy for everyone to use it. One of the tools that makes health insurance so convenient is the Health Card. It is a component of medical insurance that allows you to make hassle-free claims in a quick manner. Read on to learn more about the very beneficial health insurance cards.

What exactly is a health card?

A health card is an identity card issued by the health insurance provider. The card is issued when you purchase the medical insurance policy. These cards work mainly as medical identification cards. The card is valid for the entire duration of the policy. All your health details, as well as insurance details, are mentioned on the card. You can produce the health card at any network hospital and get a cashless claim. You can also use it for your health insurance reimbursements.

What is mentioned on the health card?

You will find the following details mentioned on the health card:

1. Policyholder’s name

2. Other personal details such as the date of birth of the policyholder

3. Details of the health insurance plan, including the type of coverage

4. The coverage amount

5. The policy period

6. The expiration date

The TPA desk of the hospital will verify the health card details and then initiate a health insurance claim.

Benefits of the health insurance cards

Health insurance cards, also known as medical identification cards, are very beneficial tools. You get the following advantages when you have such a card:

1. Quick and easy access

The health card details make it easier for you to quickly get a claim. All you need to do is produce the card at the hospital and opt for a cashless settlement. All the important details about your coverage are mentioned on the card so it makes it simple and hassle-free for you and the insurance provider.

2. Free of paperwork

You don't have to carry bulky documents such as policy documents, ID cards, etc. You can get the job done with a single health card, and this proves to be very convenient.

3. Digital Access

These days most health insurance companies provide digital health cards that you can carry on your phone. So, all you have to do is produce the digital card and get your work done, which further makes the job simpler for you.

As you can see, the health cards have made health insurance a lot simpler and more accessible for everyone, so ensure you get yours today.

Conclusion

There are many excellent health insurance plans available in India these days from leading insurers such as Zurich Kotak Health insurance. Get your hands on a good plan and make the most of your coverage through handy tools like health cards which are easy to use and make it possible for you to maximise your health coverage.

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