According
to a recent study, a significant rise in non-communicable diseases such as
cardiovascular, respiratory illnesses, etc. was observed in the last couple of
decades or so. Such illnesses have been responsible for causing more deaths
compared to any other types of diseases. Subsequently, the rise in
non-communicable diseases has led to a demand for quality health care in the
country.
However,
since public health infrastructure still lags in adequacy, a significant number
of individuals have to resort to private health care facilities for treatment
which can be quite expensive and create a financial strain.
In
such a situation, the role of additional means of financing such as health card
is very significant as it enables individuals to avail proper health care
easily. Consequently, one should know what is health card.
It
is a digital payment tool that provides financing for a wide variety of
treatments from multispecialty hospitals, diagnostic centres, dentist clinics,
wellness centres, and so on. This payment tool also facilitates individuals to
avail medical care from any of the partner medical centres during an emergency
without any financial burden.
Who are eligible to
avail a health card?
Apart
from knowing what is health
card, one should also learn about the eligibility criteria so
that he/she can stay prepared to avail the necessary finances during an
emergency. All existing customers with a stable source of income and who are
over the age of 18 can apply for a health card. While existing customers have
an option to get the card online, new users can avail the card from any partner
medical facility.
Features and benefits
of health card
Now
that you know what is a health card, it
is also ideal that you learn about the features and benefits that you can
avail, thus establishing how a suitably financing option can help during
emergencies.
1. Fast
approval –
Existing
customers can easily apply for a Bajaj Finserv Digital Health EMI Network Card
and receive approval for up to Rs.4 lakh instantly. Furthermore, customers are
not required to provide any other additional documents during the application
procedure, which results in reducing the overall processing time. Hence,
customers can opt for a health card to conveniently meet the expenses incurred
during a medical emergency.
2. Nominal
application fees –
To
avail the health card, applicants are only required to pay a nominal fee of
Rs.707 as joining charges. Moreover, the card is also activated immediately
after the fee amount is paid.
3. Complimentary
offers
Besides
a substantial financing value, cardholders can also avail a range of additional
offers on their health card. For instance, the card comes with a complimentary
insurance policy cover for personal accidents. Within this cover, one can get
up to Rs.1 lakh as coverage for expenses incurred during a personal accident.
Cardholders
can also enjoy attractive discounts and cashbacks on various treatments and
purchase of medicine from partner hospitals, diagnostics centres, pharmacies,
and so on. For example, one can avail discounts of up to 15% on purchasing
medicine from any partner pharmacy. Similarly, individuals can also avail up to
Rs.150 off on tele-consultation from a multispecialty hospital. However, in
most cases these are limited time offers, so one should refer to the official
website to check the offer validity date.
4. Coverage
for entire family
The
amount available on the health card can be used to meet treatment expenses for
all members of the family, including spouse, children, parents, and siblings.
Therefore, one does not have to apply for a health card for each member of the
family.
5. Financial
aid for a range of medical treatment
Cardholders
can meet the expenses for the treatment of over 800 health issues, some of
which are –
●
General
surgery
●
Dental care
●
ENT
Treatment
●
Oncology
●
Maternity
care
●
Obstetrics
and gynaecology
●
orthopaedics
●
Cardiac
surgery
●
Vascular
surgery
Apart
from these, individuals can avail financial aid for health issues
such as hair loss treatment, cosmetics treatment, plastic surgery, homoeopathic
treatments, purchase of hearing aid equipment, etc.
Application procedure
for a health card
Individuals
should also know about the application procedure after gaining an idea about
what is health card and its benefits. One can either apply for a health card
online or avail it from any partner healthcare facility.
To
apply for a health card, one can follow the steps given below –
Step 1:
Visit the official website and click on ‘Get It Now’.
Step 2:
Enter your registered contact number in the appropriate field for identity
verification.
Step 3:
After verification of identity, the pre-approved offer available to you will be
displayed on the screen.
Step 4:
Click on ‘Proceed to Payment’ tab after viewing your pre-approved offer to pay
the application fee via any online payment mode of your choice.
The
health card will be instantly activated, once the fee payment is complete. You
will also be able to view the health card on the mobile wallet app.
Individuals
can easily avail financing during a medical emergency with a health card. They
can repay the utilised amount afterwards by converting it into affordable EMIs
and pay it off by opting for a tenure between 3 and 24 months.
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