Know Some of The Benefits of A Health Insurance Card | Bharti AXA

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Know Some of The Benefits of a Health Insurance Card

A sense of security contributes significantly to your happiness and peace of mind. It is because of this reason that you always endeavour to provide your family with maximum protection amidst the ups and downs of life. One aspect that brings many challenges in the course of your life relates to your health and well-being. Moreover, in today’s time, all kinds of complicated ailments have become common, and healthcare, on the other hand, has become very expensive. In such a scenario, having health insurance is not just the safest bet but also the wisest thing to do.

It is because of this reason that you consider buying a health insurance policy at some point in your life. Having such a plan ensures you that when you’re faced with any such medical challenge, then you have something to fall back on in terms of your finances.


Types of claim Settlement

As a health insurance policyholder, the insurer provides you with financial support in two ways. It either gives you cashless hospitalisation facility or reimburses you for the expenses incurred by you.

In the case of reimbursement, you are required to meet with all the dues on your own first. Then it is upon submission of various documents that the insurer reimburses you for the expenses incurred. In such a case, you’re required to submit relevant documents to the insurer to prove that your claim is genuine.

However, in the case of cashless hospitalisation, the insurer directly pays off all the medical bills on your behalf subject to the conditions of the policy. In such a case, you are first supposed to check whether the hospital you’re going to is covered under the insurer’s network or not. If it is, then you will be required to show your health insurance card along with a pre-authorization form. The third-party administration (TPA) department in the hospital will send this form to the insurance company for approval. It is after their approval that the insurer will pay off all your bills for expenses covered under the policy plan.

What is a Health Card?

A Health card, which comes along with your health insurance policy is like an identity card which proves that you are a verified holder of the plan. This card provides you access to the insurer’s network hospital and ensures that you can avail the benefits of cashless hospitalisation without any hassle.

Benefits of Health Card

Peace of Mind

At the time of a medical emergency, you may not get time to arrange finances. But having this health card with you will prove to be enough for you to meet with all the hospital expenditures. However, you must visit a hospital which is covered under the insurer’s network, or else you’ll not be able to avail this facility. With the health card, you will be saved off, a great deal of worry and running around during distressful times. This will offer you some peace of mind in such a situation.

Coverage During Travel Plans

When out in a new place, you may not have enough money at your disposal. You also may not have acquaintances to support you at such a time. But if you have a health insurance policy, and are carrying this health card with you, then you will get cashless treatment at insurer’s network hospitals in such a situation. This benefit means that a health card can be your great saviour during travelling also.

Easy to Carry

During an emergency or back and forth hospital visits, you may not be able to carry or keep track of your policy document. In such a case, the health card which can easily be carried in one’s pocket or wallet will be simple to carry along. So, during times of health crisis, you will need to take care of this small card. This way, you will be able to secure cashless hospitalisation after the insurer’s approval is received.

Secure Cashless and Quality Healthcare

To stay one step ahead of medical ailments that may come up anytime, buy a health insurance policy. Further, the health card that comes along will make it very simple for you and your loved ones to secure good quality, cashless hospital treatment at any of the insurer’s network hospital. At the crucial moment, you will experience how beneficial the health card is when you will not have to run from pillar to post to arrange funds for meeting with hospitalisation and medical care cost. We at Bharti AXA General Insurance offer several benefits under our health insurance policy which includes cover for pre-existing illnesses, genetic disorders, critical illnesses after a specified waiting period in each case.

So, keep your head and heart free of insecurities and keep your loved ones and you secured against unforeseen health challenges.

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