List of Documents Required for Health Insurance

Learn about the necessary paperwork needed to secure health insurance coverage.
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3 min
17-04-2024

Health insurance is a vital aspect of financial planning, providing coverage for medical expenses during unforeseen health emergencies. However, to avail of the benefits of health insurance, individuals need to furnish specific documents during the application process and when making claims. Understanding the documents required for health insurance is essential to ensure a smooth and hassle-free experience. This article aims to outline the primary documents necessary for health insurance, helping individuals navigate through the process with ease.

List of documents required for health insurance

When applying for health insurance, certain documents serve as prerequisites to verify identity, address, income, and medical history. Here's a comprehensive list of the common documents that may be required while buying a health insurance policy:

Identity proof documents

Identity proof documents are essential for health insurance. These verify the applicant's identity and are crucial during the application process. Given below is the list of common documents that can be used as identity proof documents for health insurance:

  • Aadhaar card: A government-issued identification card containing a unique identification number.
  • Passport: An internationally recognized identification document.
  • Driver's license: A valid driver's license issued by the relevant transportation authority.
  • Voter ID card: An identity card issued by the Election Commission of India.
  • PAN card: Permanent Account Number card issued by the Income Tax Department.

Address proof documents

Before buying health insurance, you may have to ensure address verification. Given below is the list of documents that can be used as address proof:

  • Utility bills: Recent electricity, water, or gas bills with the individual's name and address.
  • Rental agreement: A notarized rental agreement stating the individual's current residence.
  • Bank statement: A recent bank statement showing transactions and the address.
  • Passport: In addition to serving as identification, a passport can also act as proof of address.
  • Driving license: A valid driving license can serve as both identification and address proof.
  • Aadhaar card: A government-issued identification card containing a unique identification number.
  • Voter ID card: An identity card issued by the Election Commission of India.

Pro Tip

A comprehensive health plan not only covers hospitalization but also pre & post-treatment expenses, ensuring complete financial protection against rising medical costs.

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Income proof documents

Income proof documents are mandatory for purchasing a health insurance policy as it helps the insurance company assess your financial capacity to pay the premiums and benefits. Below is the list of common documents that can be used as income proof while buying health insurance:

  • Salary slip: Recent salary slips from the employer indicating the individual's income.
  • Income tax returns: Filed income tax returns for the previous financial years.
  • Bank statements: Statements showing regular income deposits can serve as income proof.
  • Form 16: A certificate issued by the employer stating TDS deductions and income details.
  • Business profit/loss statements: For self-employed individuals, profit and loss statements are required.

Medical history documents

Medical history documents are necessary when applying for health insurance as insurance companies need to assess the risks associated. Any pre-existing medical conditions, allergies, and diseases need to be disclosed at the time of purchase.

  • Previous medical records: Reports of past treatments, surgeries, and medical conditions.
  • Prescription records: Records of medications prescribed by healthcare professionals.
  • Diagnostic reports: Reports of diagnostic tests such as blood tests, X-rays, MRIs, etc.
  • Doctor's certificates: Certificates verifying any pre-existing medical conditions.
  • Health declaration form: A form declaring current health status and pre-existing conditions.

Explore: Benefits of health insurance

Documents required for claiming health insurance

When making a claim against a health insurance policy, the following documents are typically required:

 

  • Claim form: A duly filled and signed claim form provided by the insurance company.
  • Original bills: Original invoices and bills from hospitals or healthcare providers.
  • Medical reports: Reports detailing the diagnosis, treatment, and prognosis.
  • Prescriptions: Prescriptions for medications or treatments recommended by doctors.
  • Discharge summary: A summary of treatment and condition at the time of discharge from the hospital.
  • Investigation reports: Reports of diagnostic tests or procedures undergone during treatment.
  • Identity proof: Any valid identification document for verification purposes.

Check out: Suitable health insurance plans in India

Documents required for cashless treatments

For availing cashless treatments at network hospitals, the following documents are necessary:

 

  • Health insurance card: A health insurance card issued by the insurer with policy details.
  • Hospital pre-authorisation form: A form requesting pre-authorisation for cashless treatment.
  • Identity proof: Any valid identification document for verification.
  • Treatment estimate: An estimate of treatment costs provided by the hospital.
  • Doctor's prescription: A prescription from the treating doctor recommending the necessary treatment.

How to buy health insurance in India?

To buy health insurance in India, follow these steps:

 

  • Research: Compare policies from different insurers based on coverage, premiums, and benefits.
  • Assess needs: Determine your healthcare needs and budget to select an appropriate plan.
  • Application: Fill out the application form accurately, providing personal and medical details.
  • Documentation: Submit required documents such as identity proof, address proof, and medical history.
  • Premium payment: Pay the premium either online or offline as per the insurer's guidelines.
  • Policy issuance: Upon approval, the insurer issues the policy document.

One portal that can simply your process of comparing and buying health insurance is the Bajaj Finance Insurance Mall. Here you can explore health insurance policies by leading Indian insurers, compare the plans, and buy the one that best suits your needs.

How to buy health insurance offered through Bajaj Finance?

Follow the steps given below to buy a health insurance policy offered through Bajaj Finance:

 

  • Step 1: Open the online application form by clicking on ‘Get Quote.’
  • Step 2: Fill out the application form with necessary details, including name, gender, mobile number, date of birth, and residential PIN code.
  • Step 3: Click on 'Get Quote' to proceed.
  • Step 4: Choose your preferred Health Insurance plan from the list shown, then click 'Buy Now'. You can customize the insured amount, policy term, and plan-type.
  • Step 5: Select the health policy term and premium amount based on your chosen plan.
  • Step 6: Verify your email ID and ensure all personal details are correct. Click 'Next' to proceed.
  • Step 7: Provide additional details such as height, weight, nationality, marital status, address, and nominee details if applicable.
  • Step 8: Answer health and lifestyle questions by selecting the relevant checkboxes, then click 'Next'.
  • Step 9: Review all filled details for accuracy and click 'Proceed' to visit the payment page.
  • Step 10: Make the payment through net banking, UPI, debit, or credit card to complete the purchase of your policy.

Health insurance is an essential aspect of financial planning to meet medical emergencies. It is important to have all the necessary documents in place and regularly updated. Make sure to go through the list of documents required for health insurance before purchasing any policy. By keeping these documents ready, you avoid any unnecessary delays in the claim process. Therefore, secure your health and finances by getting your health insurance documents ready on time.

Frequently asked questions

What documents are typically required when applying for health insurance?

Typically, when applying for health insurance, you need identification proof like Aadhaar Card, Passport, etc., address proof such as utility bills, income proof like salary slips, and medical history documents including previous medical records and prescriptions.

Do I need to submit original copies of documents for health insurance?

Usually, original copies of documents are not required for health insurance. Instead, you can submit photocopies or scanned copies of the necessary documents. However, some insurers may request originals for verification purposes in specific cases.

Can I apply for health insurance without certain documents?

In some cases, you may be able to apply for health insurance without certain documents, but it depends on the insurer's requirements. However, missing documents could delay the application process or lead to rejection.

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.