What Is Health Insurance Card? How It Works, Benefits

Good health is a state of mental, physical and social well being and it does not just mean the absence of disease! To ensure good health, you must stay healthy, plan for routine health check-ups and take the necessary precautions well in advance. Financial constraints should never delay your treatment that can severely impact your health in the future. Here is where a health insurance plan extends its support to ensure sound health.

What is a Health Insurance Plan?

A health insurance plan is an insurance product wherein the insurer will provide the necessary financial assistance as and when required to treat any disease, injury or even surgery. The extent of financial support will be based on the sum insured and the health insurance premium amount. Based on the policy terms and conditions, you can avail of the cashless claim or the reimbursement claim according to your preferences.

What is a Health Card in Health Isurance?

Digitisation is a new era. It is a preferred mode of financial transaction to ensure safety and convenience to the right extent.

A health card is a health insurance identity proof that holds your personal details, policy information and financial coverage under a health insurance plan. It offers cashless payment options to pay for your medical bills arising from hospitalisation and other treatment charges. When you present your health insurance card in the hospital, the hospital management will digitally analyse the financial coverage that you can avail to plan for the treatment. They can also get the expenses paid by the insurance provider directly.

You can buy health insurance online and get the health card dispatched to your address conveniently. Let us get ahead and discuss more information regarding the health card to make the best use of it.

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What are the Details Present in a Health Card?

The health card details elaborate on the information related to your health insurance. For example, it contains your name, policy number, type of health insurance policy, sum insured, date of expiry etc. It is unique to every person and should be maintained carefully for extended usage.

How to Get a Health Card?

You can get access to your health card when you purchase your health insurance plan. The insurance provider will provide the medical insurance card and the policy document at policy issuance. If all your family members are covered under health insurance, every person will receive a separate and unique health card.

Health Card Benefits

The health insurance card offers a range of benefits. It makes financial proceedings simpler in a hospital. Let us elaborate and understand the benefits in detail:

Cashless claim settlements - The health card will help you file a claim for settling the medical expenses incurred in a hospital with ease and completely cashless. You will have to present the authorisation letter and the cashless health card provided by your insurer at the hospital while registering for the treatment. The insurer will pay the necessary expenses directly to the hospital at the agreed rates based on the coverage limit. However, this is the case if the treatment is done in a hospital empanelled by the insurer.

Conclusion

Health is the most important aspect that will lead your physical and mental well being in the right direction. A health insurance plan will provide the right financial support when you need funds to pay for your medical expenses.

To contact your insurer, process your payments and settle the hospital medical bills easily, unique identity proof with all the necessary details is a major requirement. A health care card in India is thus the best solution that is convenient and digitally the best to manage your insurance at the right time.

You can avail a health card with Tata AIG Health Insurance plans. For more information, visit the Tata AIG website today!

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