You can activate your card by phone or internet:
Monies have already been added to your card by your insurance company. The insurance company may make additional payments to you on the card by direct deposit.
You can use your card to make purchases wherever MasterCard debit cards are accepted. If you are asked by a merchant if your purchase is “credit” or “debit” purchase, we recommend that you select “credit.” For a “credit” purchase you may be asked to sign the sales receipt. For a “debit” purchase, you will be asked to enter your PIN. With this type of purchase, some merchants will allow you to get cash back at the end of the transaction. In either case, the purchase amount will be deducted from your available balance on the card. You will not receive a bill at the end of month. Your spending is limited to the amount of money available on the card at the time of the transaction.
As long as funds are available on your card, you may get cash using one of the following methods:
Only you know how much money is available on your card. A merchant cannot
access your card balance prior to you making a purchase.
Use the following options to check your card balance or recent activity.
Your InsurCard is a special-purpose prepaid MasterCard card which will be how your insurance company will be paying you your claim payments. Payments will be loaded onto the card for you to access.
The insurance company loads funds onto your card. Once the card has been loaded by the Claims Adjuster and the card is activated by you, you can access the funds. Your InsurCard may be used to make purchases wherever MasterCard debit cards, STAR® cards, or Cirrus® cards are accepted. The amount of your purchase will be deducted automatically from your available balance on the card. You can get cash at ATMs displaying STAR, Cirrus, or MasterCard symbols. You can also get cash, over-the-counter, from tellers at most banks.
It is similar to other MasterCard prepaid cards. It can be used wherever MasterCard debit cards are accepted. It is not a credit card. You will not receive a bill at the end of the month. Your spending is limited to the amount of money available on the card at the time of a transaction.
Contact Cardholder Services immediately at 1-855-511-6848 if your card is lost or stolen. We will put a freeze on your card so no purchases can be made. You may also request a new card to be mailed to you. It will take approximately 7 business days for you to receive the replacement card.
No, a credit check was not done prior to issuing the card.
You can activate your card by phone or internet:
The dollar value on the card will depend on your individual claim. Please refer to the explanation of benefits sent by the insurance company for your specific amount, or contact your insurance claims adjuster.
If you forget your PIN, please contact Customer Service for assistance. We will need to mail you a PIN reminder. For security reasons, our employees do not have access to the PIN.
A merchant may ask if you are making a “credit” or “debit” purchase, select “credit.” For a “credit” purchase you may be asked to sign the sales receipt. The purchase amount will be deducted from your available balance on the card. You will not receive a bill at the end of month. Your spending is limited to the amount of money available on the card at the time of a transaction.
Your balance, withdrawal, and purchase activity is available to you 24/7. Only you know how much money is available on your card. A merchant cannot access your card balance prior to you making a purchase. Use the following options to check your card balance or recent activity.
By checking your account balance often – either at an ATM, via the internet, or by calling Cardholder service at the toll-free number shown on the back of the card – you can easily know what is available on your card. When incurring an expense that is greater than the amount remaining in your card account, you may be able to split the cost at the register, but you will need to check with the merchant to be sure you can do this as not all merchants may be able to accept split transactions. For example, you may tell the clerk to use the InsurCard for the exact amount left in the account, and then pay the remaining balance separately by some other means.
Cash back is a service offered by some merchants that allows you to add an extra amount of money to the total purchase price and receive the extra amount (or change) back in cash. For example, a customer may purchase $18.99 worth of goods and ask for $20.00 cash back. This would make your purchase total $38.99. At the end of the transaction you would receive your goods along with $20.00 in cash. You may find this a useful way to obtain cash instead of making a separate trip to an ATM.
The most common reasons why your card may be declined when making a purchase are:
No, only your insurance company may add money to the card.
Yes. We are committed to site security so that we can provide you with peace of mind when you access your card information. To ensure the security of your card information we use the latest internet technologies.
For Cardholder Service related to your InsurCard MasterCard Prepaid Card, you may contact us by:
PhoneFor assistance with your claim, please contact your insurance claims adjuster directly.