You can find your group insurance policy number in five main places: your health insurance e-card (physical or digital), the welcome email or SMS sent by the insurer or third-party administrator (TPA) when your cover began, your company's HR or employee benefits portal, the insurer's mobile app or member portal, and directly from your HR or admin team. The policy number is usually a long alphanumeric code printed near the top of your e-card and quoted in every communication from the insurer.
In a group insurance plan, your employer is the master policyholder, and every covered employee is a member under one master policy. There is one master policy number for the whole company, and often a separate member ID, employee ID, or unique health identification (UHID) number that identifies you within that policy. When someone asks for your "policy number", they usually mean the master policy number, but hospitals and TPAs often also need your member ID.
Where Does The Group Health Policy Number Appear?
Policy number appears across several documents of insurance. If you are not able to find one then you can search for it in other documents. The table below shows the common sources and what you will typically find on each document of policy.
Source | What you find there | How to access it |
|---|---|---|
Health insurance e-card | Master policy number, member ID/UHID, TPA name, validity dates | Digital PDF from HR or the insurer app; physical card if issued |
Welcome email or SMS | Policy number, member ID, TPA helpline, enrolment confirmation | Search your inbox for the insurer or TPA name |
HR / benefits portal | Policy number, coverage details, e-card download, network hospitals | Log in with your employee credentials |
Insurer or TPA app / member portal | Policy and member details, e-card, claim status | Register using your mobile number or member ID |
HR or admin team | All of the above, plus help if records do not match | Email or message your HR contact |
Just keep in mind that the master policy number stays the same for everyone in the company, only thing that will differ is your member ID or UHID. It is unique to you and your family.
Check Your E-Card First
You can find a policy number in your health card. Open your e-card (generally it is a PDF) and it is shared with you when your policy starts. Your master policy and member ID number are printed on the health card along with the TPA name.
Search Your Email And SMS
Search your inbox and messages for the insurer name (for example ACKO, Star, or Care) or the TPA name. The enrolment or welcome message quotes the policy number.
Log In To The HR Or Benefits Portal
You can ask your admin or HR to log in to the benefit portal and share a health card with you. They can view all coverages and can also download your e-card.
Use The Insurer Or TPA App
You can install the TPA app and download your e-card and your family e-card from that app. You can also check your other policy details and download those documents.
Ask HR or the insurer helpline
After searching for it everywhere the number is still missing you can contact your HR, TPA or insurance company for the policy number.
What Is The Difference Between A Policy Number And A Member ID in Group Health Insurance ?
Mixing policy number and member ID is a common reason why claims get delayed. Companies master policy is identified by the corporate health policy number and a member ID identifies the employee individually within the policy.
Identifier | What it identifies | Who shares it |
|---|---|---|
Master policy number | The employer's single group policy with the insurer | Same for every employee in the company |
Member ID / UHID | You (and each dependant) within the policy | Unique to each individual |
Employee ID | Your record with the employer | Used by HR to link you to the policy |
When employees go for a cashless hospital admission, usually the hospital and TPA ask for both policy number and member ID so it is better to keep both handy.
Save Your E-Card To Your Phone
In a medical emergency, the hospital's insurance desk will ask for a policy number and member ID. It is better to download your e-card as PDF and save it on your phone. So that you can use it easily and share the information at the desk directly from the health card. This also speeds up cashless approval.
What If You Cannot Find Your Corporate Policy Number?
If you are not able to find your policy number then contact your HR or admin team, because they hold the master policy details of the company's group insurance and can confirm your member ID. Your employer is the policyholder so this is the fastest route.
Another way is that you can contact your TPA or insurance company and ask them for these details. TPA is a third-party administrator that processes claims and issues cards on the insurer's behalf. To verify employee details, you should have these details ready:
Full name as registered by your employer
Employee ID
Date of Birth
Company or employer name
Mobile number or email registered by your company.
Once verified, the helpline or HR can re-share your e-card, resend the welcome email, or read out the policy number and member ID.
A Worked Example Of Geeting the Policy No. from a Group Insurance E-Card
Suppose an employee, Priya, needs her policy number for a hospital admission. She opens the group health e-card shared by HR. On the card she sees these fields:
Field on e-card | Sample value | What it means |
|---|---|---|
Policy number | GHI-2025-00473921 | Her employer's master group policy |
Member ID / UHID | MEM-88213409 | Priya's unique identifier under the policy |
TPA name | Listed on the card | The agency that approves the claim |
Validity | 01 Apr 2025 to 31 Mar 2026 | The policy year the cover is active |
At the hospital insurance desk, Priya gives the policy number GHI-2025-00473921 and her member ID MEM-88213409. The hospital raises the cashless request to the TPA using both. The policy number would be identical for every colleague in her company; only the member ID changes per person.
On a health e-card your group insurance policy number appears, the insurance company or TPA, HR/benefit portal, insurer app or it is with your HR team.
The employer is the master policyholder of a group plan, so the same master policy number appears to every covered employee.
Member ID or UHID is unique to you and your family but policy number is not. It is different from the shared policy number.
During a cashless claim at the hospital desk both policy number and your member ID is required.
If you cannot find the number, HR or the TPA/insurer helpline can re-share it once you verify your name, employee ID, date of birth, and employer.
Saving the digital e-card to your phone keeps both the policy number and member ID accessible in an emergency.
Frequently Asked Questions
Yes, group policy number is same for employee in a company it is because your employer is the master policyholder. Your individual policy number will identify you and your family member covered in the policy.
Yes, usually both policy number and member ID is required at the hospital desk and the TPA specifically asks for the master policy number and your member ID to verify. So, for a cashless process you should keep both ready.
A TPA is a third-party administrator. It is the agency that processes claims and issues e-cards on behalf of insurance companies. The TPA information like name, helpline number are always mentioned on your e-card. You can contact them for claim approvals, policy related queries.
Yes, even if you lose your e-card you can contact your HR/ admin team, insurance company or TPA. After verifying your details like name, date of birth, employee ID etc they will re-share your e-card or read out the policy number and member ID to you.
Usually policy number is printed on e-card at the top of the card, labelled as " Policy Number" or " Policy no." alongside your member ID, TPA name and contact number and the policy validity date.
About the authors
Nikita Joshi
Written by · Marketing Specialist - ACKO for BusinessNikita Joshi works on Group Mediclaim at Acko General Insurance, spanning client advisory, growth analytics, and marketing for the SME segment. She combines data-driven insight with content and campaign strategy to build credible, useful health insurance experiences for employers and employees alike.
Nitesh Kapur
Reviewed by · Senior Director – Underwriting & Claims, Group Health Insurance at ACKOWith over 15 years of experience in health insurance underwriting, he has led group health insurance strategy, risk assessment, and policy design. He has held leadership roles at leading insurers, building risk frameworks, evaluating complex health risks, and strengthening underwriting standards.
