Documents Required for Health Insurance
Buying insurance plans has become much easier with online platforms, allowing you to acquire a policy from your home or office. You must provide documentation to the insurance company whenever you buy insurance, whether online or through an agent. As an insurance policy is a legal contract, documents are required to prove the legitimacy of the deal.
An insurance policy is issued once the health insurance company verifies all the provided documentation. At the time of an insurance claim, a set of documents needs to be submitted for claim settlement.
Let's look at the types of documentation required for health insurance. Below is a list of common documents required for any insurance process.
Documents Required for Buying Health Insurance
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Age Proof
This is one of the most important documents for health insurance. You need to submit age proof for all members covered under the health insurance policy. Acceptable documents for age proof include:
- Aadhaar Card
- Birth Certificate
- Passport
- Driving License
- PAN Card
- Voter's ID
- 10th or 12th Marksheets
-
Address Proof
You also need to submit permanent address proof. The following documents can be submitted:
- Aadhaar Card
- Telephone Bill
- Electricity Bill
- Passport
- Ration Card
- Driving License
- Voter's ID
-
Identity Proof
You can provide the following as identity proof:
- Voter ID
- Aadhaar Card
- Passport
- PAN Card
- Driving License
-
Income Proof
Income proof helps determine the sum assured and total coverage for the policyholder.
-
Photographs
Passport-sized photographs are required.
-
Medical Report
A medical examination and its report may be required, especially if the insurance company requests a pre-medical check-up.
Documents Required for Claim Settlement for Health Insurance
Cashless Claim Process: When You're Admitted to a Network Hospital
- Request Form to be submitted within 24 hours of emergency hospitalization
- Request Form to be submitted at least 4-5 days before hospitalization (for planned hospitalization)
- Duly filled Claim Pre-Authorization Form
- Valid ID proof of the policyholder
- Documents: Aadhaar Card, PAN Card, Voter ID, Driving License
- Insurance Card
- Policy document copy
- Duly filled KYC Form (if required)
- Any other document, if required by the Insurance Company
Reimbursement Claim: When You're Admitted to a Non-Network Hospital
- Duly signed and filled Claim Form
- Valid ID proof
- Insurance Card
- Policy copy
- Medical certificate signed by the doctor
- Doctor's medical prescription indicating diagnosis
- Doctor's medical prescription suggesting medicines, treatment, and diagnostic tests
- Pathological/Diagnostic reports
- Original medical bills
- Discharge Certificate/Summary of the policyholder
- Ambulance receipts
- FIR / MLC copy (in case of an accidental claim)
- Original pharmacy bills
- NEFT details for claim settlement
- Any other document, if required by the Insurance Company
Conclusion
These documents are required when buying or filing a claim for an insurance policy. In both situations, keeping your documents handy ensures a smooth process for obtaining a policy and settling claims. An insurance company analyzes documents and processes claims only after verification. Therefore, it is crucial to maintain original, duly filled, and signed documents.
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