Understanding Subscriber Number Insurance Card

As part of the recent health insurance reforms, most insurance companies now issue a Subscriber Number Insurance Card (SNIC) to their policyholders. The SNIC is a unique identifier assigned to each individual policyholder and is often required when accessing healthcare services. In this article, we will explain what the SNIC is, how it works, and what benefits it offers to policyholders.

What is a Subscriber Number Insurance Card?

The Subscriber Number Insurance Card (SNIC) is a card issued by health insurance companies that contains personal information about the policyholder. This includes the policyholder’s name, address, date of birth, and a unique subscriber number. The subscriber number is assigned to the policyholder by the insurance company, and is used to identify the individual when accessing healthcare services.

The SNIC looks similar to a credit card, with the policyholder’s name and subscriber number printed on the front. Some SNICs also include a magnetic strip or barcode, which can be scanned to retrieve the policyholder’s personal information.

It is important to note that the SNIC is not the same as the insurance card issued by the policyholder’s employer. The SNIC is specific to the health insurance plan and is issued by the insurance company directly to the policyholder.

How Does the Subscriber Number Insurance Card Work?

When a policyholder visits a healthcare provider, they will be asked to present their SNIC. The provider will use the subscriber number to verify that the policyholder is covered by the insurance plan, and to access their personal information. This information may include the policyholder’s medical history, previous treatments, and any medications they are currently taking.

Using the SNIC also helps to prevent fraud and identity theft. Since the subscriber number is unique to the policyholder, it cannot be used by anyone else to access healthcare services or personal information.

Some insurance companies also offer mobile apps that allow policyholders to access their SNIC information on their smartphones. This can be especially useful when traveling or in an emergency situation.

What Are the Benefits of the Subscriber Number Insurance Card?

The SNIC offers several benefits to policyholders, including:

Easy Access to Healthcare Services
By presenting their SNIC, policyholders can quickly and easily access healthcare services without having to provide extensive personal information.
Improved Security
The SNIC helps to reduce the risk of fraud and identity theft by ensuring that only the policyholder can access their personal information.
The SNIC is a small and easy-to-carry card that can be presented at healthcare providers’ offices, hospitals, and pharmacies.


What Should I Do if My SNIC is Lost or Stolen?

If your SNIC is lost or stolen, you should contact your insurance company immediately to request a replacement card. In the meantime, you may be able to access your personal information through the insurance company’s mobile app or website.

Can I Use My SNIC with Any Healthcare Provider?

As long as the provider accepts your insurance plan, you can use your SNIC to access healthcare services. However, it is always a good idea to check with your insurance company or healthcare provider before your visit to ensure that they accept your plan and SNIC.

Is My Personal Information Safe on the SNIC?

Yes, your personal information is encrypted and stored securely on the SNIC. Only authorized healthcare providers and insurance company representatives can access this information.

What Happens if My Insurance Plan Changes?

If your insurance plan changes, you will receive a new SNIC with a new subscriber number. You should be sure to present your new SNIC when accessing healthcare services to ensure that your personal information is up-to-date and accurate.

Can I Still Access Healthcare Services Without My SNIC?

Yes, you can still access healthcare services without your SNIC. However, you may be required to provide additional personal information or identification to verify your coverage.


The Subscriber Number Insurance Card (SNIC) is an important tool for policyholders to access healthcare services quickly and easily. By presenting their SNIC, policyholders can ensure that their personal information is secure and that only authorized healthcare providers can access it. If you have any questions about your SNIC, be sure to contact your insurance company for more information.