Care Health Insurance Renewal

Documents Required For Health Insurance

Health insurance has become an essential part of everyone’s financial portfolio. After the spread of the COVID-19 pandemic, health insurance becomes inevitable. You can buy health insurance via an online platform from your office or home. The online platform has made buying health insurance plans much easy and hassle-free.

To buy a health insurance plan, you need to submit various documents that prove the legitimacy of the deal. Moreover, when filing a claim, the insurer will ask you to submit a set of documents for claim settlement.

In the below sections, this article will give you all the information regarding the documents you need to submit while buying a health insurance plan and filling out a health claim. The following is the list of documents that are required for any insurance process.

Documents Required to Buy a Health Insurance

Below mentioned are the common documents that are required to buy a health insurance plan:

Age Proof

One of the most important documents for buying a health insurance plan. You have to submit the age proof of all the insured members. Here are some examples of acceptable documents one can submit as proof of age:

• Aadhaar Card
• Birth Certificate
• Passport
• Driving License
• Pan Card
• Voter’s ID
• 10th or 12th Marksheets

Address proof

To buy a health insurance plan, you must submit permanent address proof. Following are the documents one can submit for the same:

• Aadhaar Card
• Voter’s ID
• Electricity Bill
• Telephone Bill
• Passport
• Ration Card
• Driving License

Identity Proof

The documents provided for identity proof are essential as they help the insurer validate your identity and keep track of your records. Following are the documents can be used as identity proof:

• Voter ID
• Passport
• PAN Card
• Driving License
• Aadhaar Card

Medical Report

Some health insurance companies want you to undergo a medical exam. Also, you have to submit the medical report to the insurance company while buying a health insurance company.

Photographs

You need to submit the passport size photograph of every person who will be insured under the health insurance policy.

Types of Health Insurance Claim

Below-mentioned are the types of claims offered under health insurance:

Cashless Claims

It is a type of claim where the policyholder does not have to pay bills for its medical expenses. To avail of the cashless benefit, the insured need to be hospitalized at the network hospital of the insurance company. The insurance company settles the medical expense bills directly with the hospital.

Reimbursement Claims

You must first pay the hospitalization bill and then file a reimbursement claim for reimbursement of hospitalization expenses. The health insurance company will pay you the sum amount as per the terms and conditions of the policy.

Documents Required for Settling claim under Health Insurance

Two types of claim settlement processes are offered by health insurance companies, i.e. Cashless claim process and the Reimbursement claim process.

Documents Required for Cashless Claim Process- (When you’re admitted to a Network Hospital)

• You need to submit the request form within 24 hours of Emergency Hospitalization.
• In the case of planned hospitalization, You need to submit the request form at least 4-5 days before hospitalization.
• Submit the duly filled pre-authorization claim form
• Submit a Valid ID Proof of the policyholder along with some other documents such as Aadhar Card, Voter ID, PAN Card, Driving License, Insurance health card
• Policy Document Copy
• Duly Filled KYC Form (if required)
• The health insurance company may ask you to submit some other documents.

Documents Required for Reimbursement Claim Process (When you’re admitted to a Non-Network Hospital)

• Duly signed and filled Claim Form
• A valid ID Proof
• Insurance health card
• Xerox of the policy document 
• Medical Certificate signed by the doctor
• Medical Prescription by the doctor indicating Diagnosis
• Medical prescription suggesting Medicines, Treatment & Diagnostic Tests by the doctor
• Pathological/ Diagnostic Reports
• Discharge Certificate/ Summary of the insured
• Original Medical Bills
• Ambulance Bill
• FIR / MLC Copy 
• Original Pharmacy Bills
• NEFT Details for claim settlement
• The health insurance company may ask you to submit some other documents as well

Conclusion

These documents are required for purchasing or filing a claim for an insurance policy and may vary from insurer to insurer and health plan to health plan. In both cases, you should keep your documents handy to quickly get an insurance policy and settle your claims without any delay or fuss. A health insurance company validates the documents and processes the claim only after verifying them. Therefore, it is important to keep the original documents and ensure they are filled and signed correctly.