How to get a health card and use it for cashless to claim your health insurance?

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How to get a health card and use it for cashless to claim your health insurance?

Health cards, which came into the spotlight only recently, aren’t technically novel or avant-garde. In 2008, the then government started the RSBY program, which was intended to offer medical and healthcare to the underprivileged and disadvantaged communities in the country.

At the heart of the program was a personalized health card, which contained the identity of the beneficiary, along with the members of their family, their photographs, and their digital fingerprints. Under the RSBY program, more than 160 million such cards were personalized.

Fast-forward to 2020, and the current administration announced the National Digital Health Mission (NDHM), and the Prime Minister, in an effort to allay the fears of the general populace following the outbreak of the COVID-19 pandemic spoke about all the Indian citizens getting a health ID card. This was aimed at digitizing medical records of all the Indians, and provide ease of access whilst maintaining digital records of past ailments, doctor visits etc.

Importance of health insurance and health insurance cards

With the rising amount of lifestyle-related diseases, and the thousands of new viruses and pathogens that come to light constantly, it is important to take pre-emptive measures to keep oneself safe. Furthermore, you never know what can happen tomorrow. It was reported last year that India stands as one of the top countries.

When it comes to private expenditure on health and medical bills, which is a staggering 4 percent of the GDP. Out of this, 82 percent is personal expenditure, which means that in 82 percent of the cases, individuals spend out of their pockets for hospitalization costs, medical bills and other medical emergencies.

Understanding this context is pivotal to appreciate the role health insurance, and by extension, health insurance cards play today. By choosing a good health insurance policy, policyholders can protect themselves, and their families from the financial implications of undergoing expensive treatments.

How can you obtain a health card?

Today, one can easily obtain a health card online. The health card online apply procedure is simple by opting it to the insurance provider, and then the insurance plan that you believe offers the best coverage, along with agreeable premiums. Once you purchase your desired health insurance policy, you will receive the health card which you can use at hospitals, at the time of being admitted, or when you visit a network hospital for treatment.

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Alternatively, if you are one of the beneficiaries under the government’s Ayushman Bharat Scheme, you will obtain the Ayushman health card, which you can use to avail of cashless treatment under the Ayushman Bharat Yojana scheme. The PMJAY scheme covers 1,000+ medical procedures and therapies, and you can use the card at public and private hospitals.

Using health card for cashless treatment and claims

One of the biggest benefits of obtaining a health card is its cashless claim procedure. It is possible for you to file a claim for the expenses you incur while at the hospital using your health card. All you have to do is get in touch with your insurance provider, submit a pre-authorization form, and furnish your health card at the hospital insurance desk. By doing this, you will be able to pay for your hospitalization bills, medical expenses and treatment costs.

Bajaj Finserv Digital Health EMI Network Card

Alternatively, you can also apply for the Bajaj Health Card, which is an alternative payment mechanism. Unlike a health insurance card, you won’t have to go through the hassles of filing claims when you obtain the Bajaj Finserv Health EMI Card. Instead, you can pay for the hospitalization, diagnostic and medical bills using the card, and repay the amount in bite-sized instalments over flexible tenors ranging from 3 to 24 months.

You can also use the card to pay for 800+ medical procedures and treatments, including dental care, eye care, and diagnostic care. The Health EMI Card comes with a pre-approved limit of up to Rs. 4 lakh, and the digital health card can be instantly activated on your Bajaj Finserv Wallet app!

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