What is a Health Card, and How Does it Work?

There is hardly anyone in today's world who does not have a life insurance policy. The amount may vary depending on people's personal financial status, but almost everyone has their life insured, and for good reason. Health insurance is also making a similar impact on people's lives as they realize the significance of covering medical expenses. Niva Bupa Health Insurance, previously known as Max Bupa Health Insurance, is a pioneer in the field, offering an excellent range of health insurance plans for individuals, couples, and families.

 

If you are looking for an insurance company that caters to all your healthcare insurance needs, you have come to the right place. However, it is important to be aware of all the aspects, terminologies, and prerequisites while getting a medical aid policy.  The following blog will talk about all the different facets ranging from what is a health card and also guide you through its definition, benefits, and much more.

 

What is a Health Card in Health Insurance?

To understand the concept of a health card, you must first comprehend what health insurance is. Health insurance, also known as medical insurance or medical aid, refers to an insurance plan that covers your medical expenses. It could be a plan that covers all or part of your medical expenses, depending on the type of plan you opt for. The plan includes an estimate of your possible medical expenses as well as a financial plan to cover them.

 

Healthcare Insurance, with changing times, has only become more advanced, and the need for the same has become unavoidable. A few things have always been a part of medical insurance, for instance, the health card. It’s natural for the question of what is a health card to come up in your brain.  It looks like any other ordinary credit card or debit card and is highly crucial in the process of availing the services of medical insurance.

 

A health card works as a token of assurance that your health risks are covered. It contains all of your necessary details - the name of the insured person, date of birth, policy serial number, the sum assured, etc. It is critical that you get your insured amount when you need it.

 

What are the Details Present in a Health Card?

The details on a health card are crucial to the cardholder's health insurance policy. These details usually include the policyholder's name, date of birth, policy serial number, sum assured, health-related issues and other information. These are all of the information that you have provided to the service provider and the information that the health insurance company has vetted and approved. You must be extremely cautious and certain of the information you provide. The health card of the insured is used to keep track of the sum assured in the event of any medical emergencies and medical conditions the insured is suffering from or is at the risk of suffering from.

 

How to Get a Health Card?

After your health insurance application has been processed, your Niva Bupa agent will provide you with a health card. This includes all the details you need to successfully access your health insurance plan when you need it. You can call them or visit the nearest branch of your insurance company to get one. It is also possible that in a family health plan, the health card might be provided to each individual separately. It is vital to get a health card as soon as you buy your healthcare insurance. The medical aid that is provided under healthcare insurance is close to useless if you do not have a health card in your hand.

 

Benefits of having a Health Card

• A health card is a convenient and quick way to access all of your policy information. It comes in handy in case of an emergency. With your health card, you can always know the nuances of your Niva Bupa policy and the sum assured in the event of a medical emergency. Your health card can be used to access the benefits that you get with your Niva Bupa health insurance in just a few steps.
• The 30-minute cashless claims processing, a health network that exists beyond just hospitals, no third-party agents or individuals, cashless OPD, and paperless reimbursements - all the benefits that come with your Niva Bupa health insurance policy are at your disposal. Niva Bupa health insurance covers a range of sums up to ₹ 1 crore that caters to all kinds of health insurance needs. This amount remains the same whether you have an individual health insurance policy, one that covers you and your spouse, or a family policy.
• Apart from your details and policy details, the health card also includes the customer care number of your insurance provider. With the help of the information on the card, you can contact your insurer for any query or in case of any medical emergency.
• With a health card, you can access all the services that your medical aid policy provides in the best way. A smooth processing of a cashless payment, review of updates in your policy, policy details, and easy contact with your insurance provider all become easily accessible with a health card.

 

By now, you are aware of all the aspects of a health card, from what is a health card to its benefits.

 

The network that Niva Bupa health insurance policy covers include over 7900 hospitals pan India. The hospitalisation is cashless, and all the expenses, including pre-and post-hospitalisation, are covered.

 

You won't have to worry about the claim settlement, as Niva Bupa has a 96% claim settlement ratio. This indicates that your claim applications are likely to be fully approved. Niva Bupa provides a 24-hour customer support service in case of any queries or complaints. The company provides you with services at OPD network hospitals with over 2000 doctors and teleconsultation, allowing you to consult with healthcare professionals quickly.

 

The Niva Bupa health insurance policy is renewable for a lifetime, so you can be assured it will continue to cover you no matter how old you are.

 

Niva Bupa health insurance, Travel insurance and Corporate health insurance is the way to go for a stress-free health insurance policy experience. They are a customer-centric organization with the evidence to back their claims and benefits that cover everything when it comes to medical expenses.