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List of Documents required at the time of Buying Health Insurance

Updated On May 12, 2021

Purchasing insurance policies has become much easier thanks to the availability of an online platform that helps you to purchase a policy from the comfort of your own home or workplace. You must send a series of documentation to the insurance provider if you purchase insurance, whether online or via an insurance agent. Since an insurance policy is a legal contract, insurance papers are required to prove the contract's legality.

List of Documents required at the time of Buying Health Insurance

Here is a list of documents that you will need while applying for health insurance:

1. Age Proof: Since many plans have a set entry age, this is a crucial document to have when purchasing health insurance. Any of the following documents can be submitted as a copy:

  • Aadhaar Card
  • Driving License
  • Passport
  • Birth Certificates

2. ID Proof: Your ID evidence will aid your insurer in determining the type of coverage you are eligible for in the future. You have the option of submitting any of the following:

  • Aadhaar Card
  • Passport
  • Driver's License

3. Address Proof: The health insurance provider may use your postal address to deliver different messages. You have the option of submitting any of:

  • Ration Card
  • A driver's licence and a passport are required, as well as a rental agreement.
  • Aadhaar Card
  • PAN Card
  • Utility bills, such as electricity and telephone bills, are a good example.

4. Passport-size photographs (if demanded by the insurer)

5. Medical reports (if demanded by the insurer)

6. Proposal form duly filled in and signed

Documents Required While Making Claims

  • Duly filled the claim form
  • Medical Certificate
  • Patient’s Discharge summary or card (original)
  • Prescription and cash invoice from pharmacies/hospital
  • Investigation report
  • FIR or Medico Legal Certificate (MLC), in case of an accident

Things To Consider When Purchasing Health Insurance

Health insurance isn't something you go out and buy on the spur of the moment. To get the most out of your contract, you must first understand your needs and the fundamentals of health insurance. Then and only then will you be able to get a good policy for yourself. Continue reading to learn about considerations to make when purchasing health insurance:

1.The Sum Insured: The amount of sum insured is the most important feature to consider when purchasing a policy. This will determine the scope of your coverage in the event of an unfortunate event. Keep in mind that the larger the amount covered, the more expensive your health insurance policy would be.

2.Waiting period: Before a policy can offer financial assistance for a particular medical condition, it usually has to go through a waiting or cooling period. A maternity benefit in a women's health insurance plan, for example, could include a two-year waiting period.

3.Network Hospitals: If you find yourself in a claimable situation, you have two options: cashless or reimbursement. When you have already paid your bills and ask the insurer to compensate you for your financial loss, you are in the latter category.

You must seek care only at a network hospital to be eligible for a cashless claim. Since the provider will have a network of hospitals for which it will directly settle the bill with the government, this is the case. You just have to pay the deductibles and nothing else. Look for an insurer with a wide network of hospitals. Remember to have the documents ready and check the features of the policy before purchasing.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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