Your group health insurance policy number is printed on your health e-card. If you can't find the card, check your email and SMS, your company's HR portal, the insurer's or TPA's app, or ask your HR team.
The e-card also shows your member ID, which is a different number. Save a screenshot of both before you need them.
Start with how group insurance is set up. Your company buys one health insurance policy that covers all its eligible employees. This is called a master policy. The insurer gives that policy a number. That's your group health insurance policy number.
So the number belongs to the policy, not to you. IRDAI describes it the same way. When an employer buys a group policy for its employees, the employer is the master policyholder and the employees are the people covered under it. You can read how IRDAI explains this on its policyholder portal. IRDAI's 2024 Master Circular on Protection of Policyholders' Interests also says the employer must share the group policy with the members it covers, as confirmation of their cover.
You'll usually get a second number too. The insurer or TPA gives each covered person a member ID. Depending on who issued it, it may be called a health ID, UHID, or member number. That number points to you. Many e-cards also list your covered family members.
One more document is worth asking for. IRDAI requires insurers to provide a Customer Information Sheet to members of a group policy. It's a short summary of your cover in simple words. Keep it with your e-card.
If a term here is new to you, Pazcare's insurance glossary explains most of them in plain language.
This is the fastest way. Your e-card usually shows your name, policy number, member ID, the insurer's or TPA's name, the policy period, and often the TPA helpline number.
Look at the policy period before you do anything else. If the card is from last year, the details may be out of date.
When you're added to the policy, the TPA or insurer often sends a welcome email or SMS. It may have your e-card attached, or a link to register on their portal.
Search your inbox for "health insurance," "e-card," "member ID," or the name of your insurer or TPA. Check your spam folder too. If you gave a personal email when you joined, look there as well.
Many companies keep insurance details in an HR system or benefits platform. Look for sections called "Benefits," "Insurance," or "My Policy." Your policy number and e-card are often there, and you can usually download them.
Most insurers and TPAs have a member app or portal. You usually register with your member ID, your employee ID, or the mobile number or email linked to your policy.
If registration fails, a common reason is that the phone number or email on the policy doesn't match yours. HR can ask for it to be corrected. The helpline on the TPA's website can also help.
If none of the above works, ask HR. They hold the policy documents. Giving your full name and employee ID helps them find you quickly.
You can send something like this:
"Hi, could you please share my health insurance e-card and the group policy number? My name is ___ and my employee ID is ___. Could you also share the TPA helpline number and the network hospital list? Thank you."
Several numbers float around in group insurance, and people often mix them up. Here's how they compare.
Names change from one insurer or TPA to another. If you're not sure which number is which, go by the labels on your e-card.
Many insurers issue a new policy number when a group policy renews. If your company switches insurers, you'll get a new policy number and often a new member ID and e-card as well. So always use the card for the current policy year. An old card is one of the most common reasons a hospital desk can't find an employee's details.
You'll need it more often than you'd expect.
A simple habit helps: take a screenshot of your e-card today and save it in your phone's favorites. Share it with a family member too. Keep it private, though. Don't post it in public groups or share it with callers you don't know.
Insurance details are easiest to find when they're all in one place. Employees whose company uses Pazcare can see their policy details in the Pazcare app, so there's no hunting through old emails.
Shreya Roy, one of Pazcare's customers, put it this way: "Employees have easy access to insurance details on the app."
It helps HR too. When employees can find their own numbers, there are fewer "where's my card?" messages and fewer delays at the hospital desk.
Talk to a Pazcare group health insurance expert to see how your team's insurance details could be easier to find, or explore Pazcare's group health insurance.
Regional Sales Manager
Yes.. You can look in your company's HR or benefits portal, or log in to the insurer's or TPA's website or app. Your e-card, which shows the number, can usually be downloaded from either place. If you've never registered, you'll typically need your member ID, employee ID, or the mobile number or email linked to your policy. If registration fails, ask HR whether your contact details on the policy are correct. The TPA helpline can also guide you through it.
No. Your employee ID is created by your employer for HR purposes. The policy number is issued by the insurer. They won't work in place of each other. Some portals let you register with your employee ID, because that's how HR matched you to the policy, but that doesn't make it your policy number. A hospital desk or claim form will want the policy number and member ID printed on your e-card.
Usually, yes. Everyone covered under the same master policy shares one policy number, because the number identifies the company's policy and not the individual. There are two exceptions to watch for. Some companies have more than one group policy, for example for different offices, legal entities, or employee groups, so a colleague's number may not match yours. And the number can change when the policy renews or the company switches insurers. If yours doesn't match a colleague's, ask HR which policy you're under.
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