In this day and age, every individual must have health insurance to protect themselves and their families from high medical bills in the event of a medical emergency. With the rising expense of healthcare in India, it's critical to have the correct coverage in place to ensure complete financial stability in the event of an emergency.
When a policy is purchased, the insurance company issues a health card to the policyholder. Although a health card appears to be identical to a typical debit or credit card, it is extremely handy for filing claims. Continue reading to learn about some of the significant advantages of having a health insurance card.
The Benefit of Cashless Hospitalization is available to insured people.
In the event of hospitalization, the health insurance card can be used at any of the insurance company's network hospitals. This allows the policyholder to receive cashless treatments in the event of a hospitalisation. The policyholder will be required to submit the health card to the hospital authority at the time of admission. If the insured has their health insurance card on hand and presents it during hospitalisation, they can begin the cashless claim procedure and have their claim processed swiftly and conveniently.
Can Easily Contact the Insurance Company
Every health insurance provider provides a toll-free customer service hotline that may be used to file claims or get answers to questions. However, remembering these figures is not always possible. This is when having a health card comes in handy. The health card has a phone number for emergency assistance. In the event of a medical emergency, the policyholder can swiftly dial the hotline number and report the health insurance claim. The first stage in the claim settlement process is to notify the insurer of the claim.
The Insured can obtain policy information in a flash.
The policyholder must specify the policy number and customer identification number when notifying the insurance company of the claim or filling out the claim form so that the insurance company may verify the data. Furthermore, it is necessary to be informed of the insurance's characteristics and benefits, such as whether the policy covers critical illness or not, and so on.
It might be time consuming to search through policy documents for policy numbers and other information in the event of an emergency. A Unique Identification Number (UIN) is printed on the health insurance card and can be used to quickly obtain policy information.
The card acts as a form of identification for cashless treatments.
When a policyholder uses cashless hospitalisation, the health card also serves as an identity card. By using the information on the card and matching it with the ID evidence, the hospital is able to verify the policyholder's identification and provide cashless care.
The Validity Date
The validity date of the health insurance policy is also listed on the health insurance card, just like it is on the credit or debit card. The policyholder will need to renew the policy after the validity date has passed, and a new card will be provided to them. As a result, the policyholder is better able to pay the policy's regular premiums and renew the policy at the appropriate time to assure consistent coverage.
Clarifies the Claim's Eligibility
Another advantage of having a health insurance card is that it verifies the claim. The hospital checks the policy data, the identification of the policyholder, and validates the health insurance policy when the card is provided for cashless services. The hospital approves the claim and allows cashless treatment after everything is in order. This is also true for any critical sickness insurance claim that is submitted.
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