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Documentation Requirements for Health Insurance

Posted On : 03 May 2023, 11 Months Ago. Health-Insurance
Documentation Requirements for Health Insurance

A tool that aids in relieving the financial strain of medical bills is known as health insurance. In the case of a medical emergency, it may be quite helpful. You can soon exhaust your life savings and lose access to high-quality healthcare without the backing of a health policy in India. It is thus essential to avoid taking any risks and be aware of the paperwork needed for health insurance in India. This may even be a contributing factor in deciding which health insurance is best in India.

 

Documents Required While Buying Healthcare Insurance

You should first and foremost determine if an insurance plan will provide appropriate coverage. You may choose the preferred plan features according to your age, income, and health. After you've chosen a policy, the insurer will request specific paperwork that is necessary for the best health insurance in India.

 

The paperwork required for health insurance in India serves as  proof of the policyholder's identity, age, and means of support. It is pivotal to exercise caution while turning in the paperwork demanding health insurance. You may not be eligible for the policy's benefits if inaccurate information or a lack of information is discovered in the future.

 

Here are the necessary documents required for buying health insurance.

 

Proof of Identity

You will typically need to give identification documents such as a passport, Aadhar card, Voter ID, driver's license, or state-issued ID to verify your identity and eligibility for coverage.

 

Proof of age

The insured's age proof is one of the crucial papers needed for health insurance. You may submit any of the following paperwork for this, such as a Birth certificate, Aadhaar Card, Pan Card, Passport, and Driving License.

 

Proof of Address

One of the important papers necessary for health insurance purchase is proof of residence. The insurance company may use it as the postal address to get in touch with you. You may use  papers such as a Driving licence, ration card, Aadhar card, PAN card, passport, and, if required, rental agreement and utility bill (telephone or power bill) to prove your address.

 

Other Important Documents

In addition to the ones above listed, the following essential papers are also needed:

 

  • Photos (if demanded by the insurer)
  • Health records (if demanded by the insurer)
  • Properly completed and signed proposal form

 

If more particular papers are needed for insurance, the insurer may request them in addition to the items on this checklist. All these formalities and requirements are done by the providers of the best health insurance in India.

 

Documents for Filing a Claim

To get the benefits of your healthcare insurance, you must present certain documentation when filing a claim. The paperwork needed for an insurance claim, however, can be different. For instance, to receive a cashless treatment, such numerous documents are unnecessary. The medical expenses may be settled directly between the insurance company and the network hospital, which certainly makes it the best health insurance company in India.

 

Here are the necessary documents required for filing an insurance claim for your reference.

 

  • Carefully complete and sign the insurance company claim form.
  • A written consultation from the doctor together with receipts and a discharge statement or card for the patient.
  • Hospital officials must stamp and sign all hospital invoices that are submitted for payment.
  • Any test outcomes, including those from blood tests, urine tests, X-rays, and others.
  • Bills for prescriptions from pharmacies and hospitals.
  • FIR or Medico Legal Certificate (MLC) or any other pertinent documentation about the reason for treatment in the event of an unintentional injury.

 

Moreover, when completing the necessary paperwork for health insurance, do not forget to save a duplicate of them.


It is important to read your insurance policy carefully and understand the specific documentation requirements for health insurance in India. In case you have any questions or concerns, you should contact your insurance provider for assistance.

Secure your health with comprehensive insurance plans from Nivabupa

Tell us a bit about you

Whom are you buying for ?
Myself Icon Individual
Wife Icon Husband & Wife
Family Icon Family
Enter valid name
Enter Valid DOB
OTP sent Resend OTP
otp icon
OTP Expires in
I authorize Niva Bupa to call me. This will override your existing registry in DNCR. I want to get my quote and policy details on WhatsApp.
FIND MY PLAN