Mr. Rohit’s 10-year-old was diagnosed with dengue. All the medical expenses together including diagnosis, consultation, medication etc. costed more than INR12,000. Since there was no hospitalization, the medical insurance worth INR5,00,000 came for no use at that point of time.
Cases like these are common in most Indian families, where the extra/unexpected health care expenses come along, disturbing the savings routine. Now, is there a way to lessen the unexpected medical burden?
Yes, there are cards that can bridge the gap left vacant by medical insurances. With annual or monthly memberships, these cards offer discounted rates on health, diagnostics, and other medical expenses. An insurance covers post-hospitalization expenses whereas health cards offer discounted rates even at the outpatient department, visits to doctors, medical centers, pharmacies, diagnostic centers, etc. Additionally, unlike insurances that predominantly cover hospitalization come with waiting periods for pre-existing diseases and senior citizens, health cards are valid from the time of purchase.
For instance, Indian Health Organisation (IHO) is one such company that offers health cards to its members for preventive health care services. The health card’s main feature is to provide health expense concession to the organization’s members across 1500 medical centers at 38 cities in India.
Thus, the health care cards are of great benefit to Indians, given the exponential rise in the medical care expenses in the country. The right health cards cover preventive health care costs that account for 70% to 75% of overall medical expenses.
Even though some insurers offer OPD covers, they are quite expensive and come with a limit on each treatment. Healthcare cards are a solution to people with high-risk and with pre-existing conditions, especially senior citizens.
To summarize, the top benefits of health cards include:
- Discounts on health care expenses like doctor consultation, medicines, diagnostics, dental care, etc.
- Applicable for everyone irrespective of the age and even for the one with pre-existing ailments.
- Access to multiple hospitals, pharmacies, diagnostic centers tied up with the concerned company.
- Cost-effective membership charges and discount offers up to 30% on several services.
Discount cards or health cards are no way a replacement for medical insurance cover. However, the discounts offered on health, drug, radiology and pathology expenses do come in handy while dealing with the primary health expenses. Plan your expenses and finances well and rest assured.