Health Card in India: What It Is, Why You Need One & How to Download It (2025 Guide)
Understand Health card or health id card & how it is fastest ticket to cashless treatment at hospitals. Discover how to get your health id in seconds.
Pazcare Team
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Updated on:
July 22, 2025
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Quick Summary
Picture this: it's 2 a.m. and your phone rings. It's one of your employees' phone numbers, who has a sudden medical emergency. That tiny digital—or plastic—card is more than an ID; it’s the key that unlocks your group health insurance benefits when minutes matter.
Health ID card is a digital ID card or a plastic card, which is required anything you want to avail your health insurance or employee health insurance benefits. This card should be given to the hospital during the times of emergencies, or regular procedures to avail the financial cushion that employee health insurance provides.
Let's dive in.
Picture this: it's 2 a.m. and your phone rings. It's one of your employees' phone numbers, who has a sudden medical emergency. That tiny digital—or plastic—card is more than an ID; it’s the key that unlocks your group health insurance benefits when minutes matter.
Health ID card is a digital ID card or a plastic card, which is required anything you want to avail your health insurance or employee health insurance benefits. This card should be given to the hospital during the times of emergencies, or regular procedures to avail the financial cushion that employee health insurance provides.
Let's dive in.
1. What Is a Health Card?
A health card—often called a TPA card or health insurance ID card or health id card—is an identity card issued by your insurer or Third-Party Administrator (TPA) that can help . It carries a unique member/employee ID, policy number, and TPA hotline, allowing hospitals to verify eligibility and trigger cashless treatment.
Here’s what a standard card includes:
Information that a health insurance card carries.
Ayushman Bharat is not equal ABHA ID
A lot of employees confuse these two:
Ayushman Bharat (PM-JAY) is a government health insurance scheme for low-income families (free treatment up to ₹5 lakh).
ABHA (Ayushman Bharat Health Account) is a digital health ID for every Indian—whether they use public or private hospitals.
One is coverage. The other is a digital identity. Having an ABHA ID helps, even if you're not eligible for Ayushman Bharat.
2. Types of Health Insurance Cards in India
But, one may wonder why do we have different kinds of health ID cards in India. There isn’t just one type of health card. Here’s a breakdown of what’s common in Indian workplaces:
Why do we have different health insurance card in India and how you to use them
Once the companies purchase employee health insurance, the insurers (TPAs) generally issue the card digitally via email or send out a physical card via courier. If needed, you can also log in to the insurer's web portal or application to download your health insurance card.
Hit “Download Health Card.”—it saves as a PDF in your phone’s files/WhatsApp.
Double-check the name & policy end-date. If there’s a mismatch, raise a correction request via Pazcare Customer Supportto make the correction.
Tip: Save the PDF in your phone’s Favourites folder and on your spouse’s phone for backup.
B. Via Your TPA Portal
Most TPAs have a quick e-Card download tool. Enter Employee ID + DOB → Download.
C. Creating a Digital Health ID (ABHA)
Visit healthid.ndhm.gov.in or use the ABHA app.
Verify with Aadhaar or Mobile OTP.
Generate your 14-digit ID and download the card. You can check out the steps here.
4. Why every employee (and their dependents) should keep Health ID card ready
Instant cashless hospitalisation – No upfront payment; the hospital bills your insurer directly.
Zero paperwork at the desk – Your unique ID pulls policy details in seconds.
Faster claim settlement – All claim forms auto-populate with your card details, reducing errors and queries.
Proof of coverage for dependents – One glance shows who’s covered (spouse, kids, parents).
Emergency peace of mind – When a life-threatening situation strikes, the card is your “golden ticket” to treatment while Pazcare’s 24 × 7 hotline handles the backend.
5. How the health card works?
How does a Health Insurance card work?
6. Common problems employees can face with health insurance card and Pazcare solves them
During the time of emergencies, one can only hope that everything goes smoothly, butsomething as little as a typo can disrupt the smooth process for cashless hospitalization. Therefore, it is necessary to double check your health ID card, network hospital lists before you even you land in such situations.
Common issues that you can face with your Health ID card during emergencies
HR Corner: Driving awareness at your company
Your employees might have the best group insurance policy, but if they freeze during a claim—it's a miss. That’s where HR comes in. A few small steps can make your team confident, claim-ready, and covered at every moment.
Day-Two Orientation – Walk new hires through downloading and reading their health cards.
Quarterly refresher webinars with the Pazcare Customer Success Manager (CSM).
Mock “claim drills.” Simulate an emergency admission so employees practise the steps.
Update campaigns whenever there’s a policy renewal or member data change.
Dedicated hotline posters in breakout areas with QR codes linking directly to the card download page.
Your health card is small but mighty. Keep it error-free, store it where you can grab it in two taps, and educate your team before an ambulance ride forces the lesson.
Need help? Download the Pazcare app, grab your card, and save our emergency hotline today. Stay covered, stay confident!
Key takeaways
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Ready to give yourself and your team the best employee benefit experience?
Picture this: it's 2 a.m. and your phone rings. It's one of your employees' phone numbers, who has a sudden medical emergency. That tiny digital—or plastic—card is more than an ID; it’s the key that unlocks your group health insurance benefits when minutes matter.
Health ID card is a digital ID card or a plastic card, which is required anything you want to avail your health insurance or employee health insurance benefits. This card should be given to the hospital during the times of emergencies, or regular procedures to avail the financial cushion that employee health insurance provides.
Let's dive in.
1. What Is a Health Card?
A health card—often called a TPA card or health insurance ID card or health id card—is an identity card issued by your insurer or Third-Party Administrator (TPA) that can help . It carries a unique member/employee ID, policy number, and TPA hotline, allowing hospitals to verify eligibility and trigger cashless treatment.
Here’s what a standard card includes:
Information that a health insurance card carries.
Ayushman Bharat is not equal ABHA ID
A lot of employees confuse these two:
Ayushman Bharat (PM-JAY) is a government health insurance scheme for low-income families (free treatment up to ₹5 lakh).
ABHA (Ayushman Bharat Health Account) is a digital health ID for every Indian—whether they use public or private hospitals.
One is coverage. The other is a digital identity. Having an ABHA ID helps, even if you're not eligible for Ayushman Bharat.
2. Types of Health Insurance Cards in India
But, one may wonder why do we have different kinds of health ID cards in India. There isn’t just one type of health card. Here’s a breakdown of what’s common in Indian workplaces:
Why do we have different health insurance card in India and how you to use them
Once the companies purchase employee health insurance, the insurers (TPAs) generally issue the card digitally via email or send out a physical card via courier. If needed, you can also log in to the insurer's web portal or application to download your health insurance card.
Hit “Download Health Card.”—it saves as a PDF in your phone’s files/WhatsApp.
Double-check the name & policy end-date. If there’s a mismatch, raise a correction request via Pazcare Customer Supportto make the correction.
Tip: Save the PDF in your phone’s Favourites folder and on your spouse’s phone for backup.
B. Via Your TPA Portal
Most TPAs have a quick e-Card download tool. Enter Employee ID + DOB → Download.
C. Creating a Digital Health ID (ABHA)
Visit healthid.ndhm.gov.in or use the ABHA app.
Verify with Aadhaar or Mobile OTP.
Generate your 14-digit ID and download the card. You can check out the steps here.
4. Why every employee (and their dependents) should keep Health ID card ready
Instant cashless hospitalisation – No upfront payment; the hospital bills your insurer directly.
Zero paperwork at the desk – Your unique ID pulls policy details in seconds.
Faster claim settlement – All claim forms auto-populate with your card details, reducing errors and queries.
Proof of coverage for dependents – One glance shows who’s covered (spouse, kids, parents).
Emergency peace of mind – When a life-threatening situation strikes, the card is your “golden ticket” to treatment while Pazcare’s 24 × 7 hotline handles the backend.
5. How the health card works?
How does a Health Insurance card work?
6. Common problems employees can face with health insurance card and Pazcare solves them
During the time of emergencies, one can only hope that everything goes smoothly, butsomething as little as a typo can disrupt the smooth process for cashless hospitalization. Therefore, it is necessary to double check your health ID card, network hospital lists before you even you land in such situations.
Common issues that you can face with your Health ID card during emergencies
HR Corner: Driving awareness at your company
Your employees might have the best group insurance policy, but if they freeze during a claim—it's a miss. That’s where HR comes in. A few small steps can make your team confident, claim-ready, and covered at every moment.
Day-Two Orientation – Walk new hires through downloading and reading their health cards.
Quarterly refresher webinars with the Pazcare Customer Success Manager (CSM).
Mock “claim drills.” Simulate an emergency admission so employees practise the steps.
Update campaigns whenever there’s a policy renewal or member data change.
Dedicated hotline posters in breakout areas with QR codes linking directly to the card download page.
Your health card is small but mighty. Keep it error-free, store it where you can grab it in two taps, and educate your team before an ambulance ride forces the lesson.
Need help? Download the Pazcare app, grab your card, and save our emergency hotline today. Stay covered, stay confident!
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