These are unpredictable times in the health sector. COVID-19 has really shown us what we always believed. A medical emergency can crop up at any given time. We need to be prepared for it at any given time. Subsequently, you don’t just have to be prepared for yourselves but for your entire family too. Proper health insurance for you and your family is a must. If you don’t have it, there are alternatives too. The alternative is a health card. So what exactly is a health card? We shall be discussing it and also about how to pick up the best health card for your family
What is a Health Card?
It is a digitalized world these past few decades. Everything is becoming digitised. Even in the health segment, there have been great steps of digitization of medical amenities and services. One such product that has been introduced in the market is a Health Card. So what is it exactly? A health card is a fully digitalized card that has information regarding your basic personal information along with the details of the health plan that you have taken from the service provider. The service provider has tie ups with thousands of medical centres across the country in hundreds of cities. Treatment for hundreds of ailments can be paid off using a health card. . it can be used in pharmacies, diagnostic centres, hospitals and medical centres listed with it. You can easily apply for a health card online. Just visit the official website of the service provider and follow the health card apply online procedure.
How to Pick the Best Health Card for Your Family?
Planning to take a health card for your family? If so, you need to do the relevant research by gathering information about the health card provided by the various companies. You also need to ask the experts as to the health card of which company will suit your and the needs of your family the best. Upon collecting this information, then only come down to the best company that suits your needs.
Some of the points to consider to pick up the health card for your family are listed below.
Check Out the Plans
Go through the details of the plan. Some companies offer 4 lakhs as the pre-approved limit while others offer upto 10 lakhs. You need to analyze carefully what will be the best amount for your family. You will have to understand the needs of the aging parents and dependent children before you decide on the pre approved amount on the health card. Compare plans within a company and between companies to come to your decision.
Individual Plans of Family Plans
Next you have to decide whether you want individual plans for each family member or a plan that suits the needs of all family members. Most companies give out one digital card for family coverage too which any member of the family can use as and when needed. So, if family members are living in different cities, taking a family coverage will not be suitable as only one member will have the possession of the card.
You need to decide as to what will be the needs of renewal for your health card. You will need to gather information about the renewal rules and charges for the plan you have opted for in the health card. Some service providers of health cards don’t renew the health cards but ask their customers to buy a new card upon expiration of the health card.
Network of Alliances
You will have to go through in detail about the hospitals and medical centres which are alliances to a particular company. Try to opt for the health card form a service provider who has the maximum number of alliances with hospitals and medical centres.
Number of Ailments that Can be Treated
Along with the number of alliances, you also need to check the total number of ailments that can be treated with that health card. Bajaj Finserv has a list of 800+ ailments which its health card can be used to pay for the treatment.
Having a health card for your family is of prime importance in today’s time. You never know when it can come handy. You can easily apply for it and after paying the joining fees, it gets instantly activated. The health card download is also an easy procedure. It is very convenient to own a health card. Just a single card can be used for all members of the family. It is a completely digitized card. You can easily carry it in your wallet, bag or purse. Even while traveling, you can carry it to heed for a medical emergency. It is valid for a certain time period which is clearly mentioned on the card.