Understanding Your Health Insurance E-Card

If you have an active health insurance policy, you’re entitled to an electronic identity card (E-card) to access benefits under your plan. This card holds a unique number assigned to you, making it easier for you to access services at network hospitals and avail of cashless facilities nationwide. In case of reimbursement claim, the Insurer/TPA will be able to fetch your policy details through the E-card number.

If you signed up for insurance through Plancover, we’ll automatically send your E-card to the email address registered with us, once you will enrolled into the policy. Look out for an email from assist@plancover.com with the subject line “eCard has been uploaded” If you can’t find your E-card, here are some places to check: 

• PlanCover Mobile Application
• Rudolph Portal
• Call us at 9971730455 from your registered mobile number.
• E-mail: assist@plancover.com

Objectives of an E-card:

An E-Card in medical insurance is like having your health insurance card on your phone or computer instead of carrying around a physical card. It’s a digital version of your insurance info.

Here’s why it’s important:

1. Convenience: Instead of worrying about losing or damaging a physical card, you can just pull up your insurance details on your phone whenever you need them.

2. Accessibility: You can easily show your E-Card at the doctor’s office, hospital, or pharmacy. This makes it quick for them to check your coverage and process your claims.

3. Efficiency: E-Cards make things faster for both you and healthcare providers. They can quickly verify your insurance info without dealing with a lot of paperwork.

4. Security: E-Cards often have security measures to keep your info safe. If you lose your device, you can often remotely erase the data to keep it secure.

5. Environmental Impact: By using E-Cards instead of paper cards, we’re helping the environment by cutting down on paper usage and waste.

In short, E-Cards make it easier for you to manage your health insurance info and help things run smoother.

Contents of Your E-Card

Your E-card contains vital information:

• Policy Number: Provided by the insurer, this number identifies your policy.
• E-Card Number: A unique identifier linked to you for tracking policy and coverage details. This is also known as UHID No/TPA ID No/Membership No/Client ID/Customer ID.
• For Group Health Insurance Policies – Employee Code: An unique code given by your organization, provided to the insurance company.Valid Up To: The policy’s end date.Name: Your name as a covered member.
• Age: Your age at the time of E-card issuance.

Related FAq’s

What if You Haven’t Received Your E-Card?

If you haven’t received your E-card yet, here’s what you need to know:

1. For New Policy Additions: If you’ve recently been added to the policy, it usually takes 5-7 days for your E-card to be generated.

2. For Corporate Policy Renewals: If you’re part of a corporate policy renewal, it might take a bit longer, around 10-15 days, for your E-card to be generated.

If you’re still waiting for your E-card after this time, please reach out to us so we can assist you further.

Can I eligible for a cashless claim during the enrolment period?

If you find yourself in this situation, please let us know right away. We’ll take action by contacting the insurance company or third-party administrator (TPA) to manually approve cashless treatment based on the terms and conditions of your policy. However, if you’re waiting for reimbursement, you’ll have to be patient until your E-card is generated, which usually takes about 4-5 days.

Appearance of Your E-Card:

Your E-card serves as proof of insurance for claims purposes only and doesn’t substitute for other identity proofs like voter ID, passport, or Aadhar card.

Using Your Health Insurance Card Electronically:

Some insurers offer electronic proof of insurance through their mobile apps or websites, allowing you to access your E-card digitally.

Changes upon Renewal:

For retail health insurance plans, the E-card number may remain the same upon renewal. However, for group health insurance policies, it may change annually, even with the same insurer.

Understanding Unique Identifiers:

The unique identifying number on your E-card may be referred to as UHID number, TPA number, E-card number, membership number, or client ID, depending on the insurer.

Samples of E-cards.