Insurance ID Cards & Policyholder Passes
Put the member ID card, the policy number and the claims line in the wallet — issued from the policy record in Salesforce, reissued automatically at renewal, and reachable on the lock screen when it matters.
Try on AppExchangeWhat insurers and brokers use Kemicard for
Member ID cards
Health, dental and vision cards carrying the member number, group number and plan tier — the details a provider's front desk asks for, on the device the member has with them.
Policy & claims contacts
Policy number, effective dates, the 24-hour claims line and the adjuster's direct number on the back of the pass. Findable at the roadside, not buried in an email.
Broker cards
A firm-issued digital card per producer, with the licence details and booking link, replacing the paper card that goes stale the moment someone changes desk.
The Card in the Wallet Is Usually Last Year's
Insurance is the clearest case of a credential that goes out of date on a schedule. Cards are printed and posted at renewal, the new one arrives, the old one stays in the wallet, and at the point of service somebody presents the wrong one. The provider calls to verify, the member waits, and a piece of administration is created that nobody wanted.
A pass issued from the policy record does not have a stale version. At renewal the same pass updates — new effective dates, new plan tier if it changed, same place on the phone. Nothing is posted and nothing needs to be thrown away.
- Mid-term changes reach the member. A dependant added, a plan upgraded, an address changed — reflected the same day.
- Lapses are handled honestly. A cancelled policy revokes the pass rather than leaving a plausible-looking card in circulation.
- Replacement is instantaneous. A lost card today means a call and a wait for post. A lost pass means resending a link.
- Print costs fall. Card stock, envelopes and postage across a whole book of business is a line item worth examining.
What a Wallet Pass Is, and What It Is Not
A wallet pass is a credential your organisation issues and controls. It is not a regulated identity document, and treating it as one causes problems.
On proof of motor insurance: whether an electronic card is accepted at the roadside or at a vehicle registration office depends entirely on the jurisdiction, and the rules differ between and within countries. Many places accept it; some still require paper. Check your regulator's position before telling policyholders they can leave the paper card at home — and where the answer is mixed, issue both.
On health information: the pass should carry the identifiers a provider needs to look you up, not clinical detail. Member number, group number, plan and effective dates are appropriate. Diagnosis and treatment history are not, and never need to leave your system of record for the card to do its job.
Handled that way, the pass is genuinely useful and raises no question it cannot answer.
Insurance Is Remembered on the Worst Day
Most policyholders interact with an insurer twice: when they buy and when something goes wrong. The second occasion is the one that determines whether they renew, and it usually begins with someone trying to find a phone number while stressed.
- The claims line is one swipe away. On the back of a pass the member already carries, not in an email from eighteen months ago.
- It works with no signal. A pass is stored on the device. A portal login at the roadside is not a plan.
- Claim status can push. Received, assessed, settled — the updates people currently chase by phone.
- The adjuster is named. A direct number on the pass removes a call to the switchboard.
Group benefits works the same way at a different scale: one template, a pass per member, and open-enrolment reminders that reach the employees who have not acted rather than everyone.
Claims Centre, PO Box 4120
Edmonton, AB T5J 2P4
The Back of the Card: The Number You Need on the Worst Day
The 24-hour claims line, the named adviser, the portal and the policy dates — one swipe from the lock screen, working with no signal.
This is the row that justifies the whole programme. A member at the roadside is not going to search an inbox from eighteen months ago for a phone number.
Insurance, in practice
Insurance already runs on Salesforce in a great many carriers, brokerages and benefits administrators — policies, members, claims and producers as records, with Financial Services Cloud or a custom data model underneath. Kemicard issues from those records rather than from an export of them, which is the entire reason a pass can stay accurate through a renewal cycle without anyone running a print job.
The commercial argument is usually made on print and postage, because that number is easy to produce and often larger than people expect once envelopes, returned mail and replacement requests are included. The better argument is the service one. Every call to a contact centre that begins "I've lost my card" or "which number do I ring" is a cost, and both are avoidable by putting the answer somewhere the member cannot mislay it.
Brokers and agencies get a different benefit from the same platform. A producer's digital card carries their licence details and stays accurate when they move desks or change appointment, and scans at industry events attribute back to the record — the same pattern law firms use for conference attribution.
One caution worth repeating: this is a credential, not a policy document. It carries the identifiers and the contacts. The policy wording, the schedule and the certificate remain where they are, and the pass should link to them rather than try to replace them. Read security and compliance for how the data is handled, and how it works for the issuance model.
Insurance — the brochure
A one-page summary for a conference table or an email, or the six-page version for the colleague who has to approve it. Both cover what you can issue, how it works, and the push and back-of-card examples for insurance.
Further reading
From the blog
Put the ID Card Where the Member Will Find It
See policyholder cards and renewal updates on your own Salesforce data model.