What is a health card?
When we talk about health cards, it is important to understand the underlying context. In India, there are different types of health cards that serve different purposes. For instance, under the ‘One Nation, One Health Card’ scheme that the government announced late last year, public and private hospitals and doctors will have access to one central database, where the digital records of all Indian citizens will be kept.
Doctors and physicians can access these medical records to understand an individual’s medical history, including their previous ailments and medical tests they had undergone in the past.
Then there are health cards that are linked to health insurance. Two such examples are the YSR Aarogyasri health card, and the recently unveiled Ayushman health card under the Ayushman Bharat Scheme, where individuals can avail cashless treatment at hospitals. Health card serves as virtual insurance cards, where you don’t have to carry the policy documents and other paperwork of your health insurance policy with you. Instead, you can just use your health card at the hospital to avail of cashless hospitalization and treatment.
What is the need for a health card?
Studies and surveys have shown in the past that out of pocket expenditure (OoPE) is one of the primary reasons why individuals fall into poverty. Furthermore, another report released in 2017 found that Indian citizens are the sixth largest out-of-pocket health spenders, when it comes to the low-middle income groups among 50 countries.
The report also suggested that because of these expenses, around 35-40 million Indians are pushed below the poverty line every year. The Indian government, cognizant of this fact, and with the intention of helping especially those who cannot spend on proper healthcare launched the Ayushman Bharat National Health Protection Scheme, with the aim of providing free healthcare to around 40 percent of Indian citizens.
These policies come with plastic health cards that the individuals seeking medical treatment can furnish at network hospitals, in order to avail of cashless hospitalization and treatment. Health cards can prove to be extremely beneficial, as they take substantial financial burden off people’s shoulders that comes with hospitalization, and medical treatment-related expenses.
Another variant of health card – The Bajaj Finserv Health EMI Card
While the above health cards have to do with health insurance, Bajaj Finserv offers the Health EMI Card, which comes with a pre-approved limit of up to Rs. 4 lakh. This digital health card lets you pay for your hospitalization, medical and diagnostic bills, which you can repay in bite-sized, convenient monthly instalments. You can choose the repayment tenor, which ranges from three months to twenty four months.
How can you download a health card?
Let us take the Bajaj Finserv Health EMI Card as an example. The steps to health card download are simple and straightforward. To avail of the health card, download the Bajaj Finserv Wallet app on your mobile phone.
Step 1: Visit the Bajaj Finserv website, and navigate to the Health EMI Card page
Step 2: Click on “Get it now” button
Step 3: Verify your mobile phone number that you had previously used to register with Bajaj Finserv
Step 4: Check your pre-approved offer limit, and proceed to pay a one-time processing fee
Step 5: The digital health EMI card will be downloaded on the Bajaj Finserv Wallet app, and will be activated instantly. You can use the digital health card to pay for your hospitalization and medical expenses
Why Bajaj Finserv Health EMI Card?
Most of the schemes offered by the government target the underprivileged, and those that cannot pay for healthcare expenses. You get conventional health cards when you purchase health insurance policies. However, if you want to avoid the claims process, or want greater convenience, you can opt for the Bajaj Finserv Digital Health EMI Network Card.
The card comes with a pre-approved limit of up to Rs. 4 lakh, and you can undergo 800+ treatments and procedures at 5,500+ network hospitals and clinics, located in 1,000+ Indian cities. Whether it is a trip to the dentist for a root canal procedure, or for LASIK surgery, you can rely on the Health EMI Card to pay for the procedure, and you can repay the amount later in convenient monthly instalments.