We all know that life is unpredictable, and it’s essential to remain prepared for any unexpected events that might come our way. One such event that can cause a financial and emotional burden is a medical emergency. In such cases, having health insurance is crucial. One may not be aware that there is a particular type of healthcare card that can enhance the entire process of accessing medical treatment. It is known as a cashless health card.
What is a cashless health card?
A cashless health card is a convenient and hassle-free way to receive medical treatment without worrying about expenses. It is a card issued by an insurance company that allows policyholders to get cashless treatment at network hospitals. Generally, the cashless health card comprises critical information such as the policyholder’s personal details, insurance policy number, and the insurer’s customer care team contact information.
With a health insurance card, the policyholder does not have to shell out payments upfront for medical treatment at a network hospital. In this case, the hospital does not give the bill to the policyholder but instead sends it directly to the insurance provider for payment settlement.
Cashless health card benefits
• Hassle-free access to medical treatment:
With a cashless health card, a policyholder can avail of medical treatment at any network hospital without worrying about making upfront payments. The card serves as a payment mode, and the policyholder can receive treatment without any hassle.
• Quick settlement of claims:
The settlement of claims is quick and hassle-free with a cashless health card. The policyholder does not have to worry about submitting multiple documents or waiting for reimbursement of the expenses incurred on medical treatment.
• Comprehensive coverage:
Medical insurance cards offer exhaustive financial protection for various medical expenses, including hospitalisation, surgeries, diagnostic tests, and other medical procedures.
• Peace of mind:
The cashless health card provides policyholders with a sense of security and peace of mind, knowing they will get covered in the event of a medical emergency. It offers a sense of assurance that is crucial during illness or medical emergencies.
How to get a cashless health card?
• Choose a medical plan:
The first step is to select a health insurance plan that offers a cashless health card. One can do this by researching various health insurance plans and their benefits.
• Submit documents:
After choosing a health insurance plan, the policyholder needs to submit the required documents, such as documents showing proof of age, identity, address, and medical history, to the insurance company.
• Pay premium:
The policyholder must pay the insurance premium through various online modes of payment.
• Receive health card:
Once the policy is issued, the policyholder will receive a cashless health card with the policy documents
• Activate the card:
Policyholders need to activate the card before using it. One can do this by contacting the insurance company’s customer care or following the activation process mentioned on the card.
• Use the card:
After activation, the policyholder can use the cashless health card to avail of medical services at a network hospital.