List of Documents Required for Health Insurance

Ensure a hassle-free health insurance process by knowing all the essential documents needed for application, verification, and claim settlement.
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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.

1. Age Proof

Providing valid age proof is a crucial step when purchasing a health insurance plan. It is mandatory to submit age-related documents for all individuals covered under the policy. Commonly accepted documents for verifying age include:

  • Birth Certificate
  • Aadhaar Card
  • Driving License
  • Passport
  • PAN Card
  • 10th or 12th Standard Mark Sheets

These documents help insurers determine eligibility and calculate premiums accurately.

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.

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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.

Passport size photograph

Each person covered under the selected health insurance policy must provide a passport-size photograph. This helps ensure smooth processing and quick approval of the policy.

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.

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.

Things to keep in mind when buying health insurance

With the rising cost of healthcare in India, buying a health insurance policy has become essential. However, with so many options available, selecting the right plan can feel overwhelming.

Here are a few important factors to consider when choosing the best health insurance policy to safeguard your family’s well-being:

1. Adequate sum insured

Ensure your plan offers a sufficient coverage amount to meet your healthcare needs. If you or a family member has pre-existing conditions, opt for a higher sum insured. Also, account for future medical inflation—what seems adequate today may fall short a few years down the line.

2. Balanced premium vs. coverage

Premiums vary across insurers even for similar benefits. While it may be tempting to go with the lowest premium, ensure that the policy still offers comprehensive coverage. The ideal plan balances affordability with key benefits—avoid sacrificing essential coverage just to save on premium costs.

3. Wide network of hospitals

A strong network of hospitals is crucial for availing cashless treatments. Choose a policy that includes a wide list of reputed network hospitals across India. This ensures you or your family members can access quality care without financial stress during emergencies.

4. Easy and transparent claim process

An insurer’s claim settlement process should be smooth, quick, and hassle-free. Read customer reviews, compare claim settlement ratios, and understand the documents required. Opt for a provider known for seamless claim handling and supportive customer service.

Taking these aspects into account will help you choose a policy that not only fits your budget but also supports you when it matters the most.

How to file a health insurance claim: Step-by-step guide

Filing a health insurance claim can often seem overwhelming, especially if you’re unfamiliar with the required documents. To make the process smoother, follow these essential steps:

Step 1: Collect and organise all medical documents

Gather all the necessary paperwork such as medical bills, payment receipts, prescriptions, test reports, and hospital discharge summaries. Organise them in chronological order for easy reference. Ensure every document clearly mentions the patient’s name, date, hospital details, treatment costs, and signatures wherever required.

Step 2: Fill out the claim form accurately

Download the claim form from your insurance provider’s official website. Read the guidelines carefully and fill in all the details correctly. Once completed, attach the form with your compiled set of medical documents and bills.

Step 3: Submit original and photocopies

You’ll need to submit both original documents and photocopies, as per your insurer’s requirements. Keep a full set of copies for your personal records in case of future queries or disputes.

Step 4: Double-check before submission

Before submitting, review all documents thoroughly. Missing papers or incorrect details can delay or even lead to claim rejection. Ensure everything is accurate and complete for a hassle-free process.

By following these steps and keeping a checklist of required documents ready, you can increase the chances of a smooth and timely claim settlement.

Common mistakes to avoid when submitting health insurance claim documents

To ensure your health insurance claim is processed smoothly and without delay, avoid these common errors while submitting documents:

1. Submitting incomplete or incorrect documents

One of the biggest mistakes is providing incomplete or inaccurate information. Always verify the list of documents required for your specific insurance plan and ensure the claim form is properly filled out and supported with all necessary documents for faster processing.

2. Mismatched address or personal details

Ensure that your personal details—such as name, address, and date of birth—match across all submitted documents, including the claim form, medical reports, and KYC papers. Any mismatch can raise queries and delay the claim.

3. Missing mandatory medical reports

Each health insurance policy may require specific medical reports based on the treatment. Failing to include these critical documents can lead to claim denial or unnecessary delays. Always cross-check what reports are needed before submission.

4. Ignoring insurer-specific guidelines

Different insurers may have unique requirements when it comes to claim documentation. Not following these specific submission guidelines can result in missed documents or format issues, affecting your claim approval timeline.

5. Submitting outdated or invalid KYC documents

Ensure that your identity, age, and address proofs are current and valid. Expired or outdated KYC documents may cause unnecessary verification delays or claim rejections. Update your KYC details before submitting them.

6. Skipping income proof for tax exemptions

If you're claiming tax benefits under your health insurance plan, don’t forget to submit valid income proof such as recent salary slips or your latest Income Tax Return (ITR). Missing these can impact your eligibility for tax deductions or slow down the claim process.

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.

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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.

Are different documents needed for individual and family health insurance plans?

The core documents—like age proof, identity proof, address proof, and medical reports—are similar for both. However, for family floater plans, you’ll need to submit these documents for each covered member, along with relationship proof (e.g., marriage certificate or birth certificates for children).

Which documents are required to claim tax benefits on health insurance?

To claim tax deductions under Section 80D of the Income Tax Act, you’ll need:

  • Premium payment receipt (must clearly mention policyholder and insured names)
  • Policy document with coverage and tenure details
  • PAN (if claiming deductions on behalf of family)
  • Income proof (like salary slips or ITR) — optional but recommended during tax filing
Are digital copies of documents accepted for health insurance applications?

Yes, most insurers now accept digital copies for both new applications and renewals. You can upload scanned versions or clear photographs of:

  • KYC documents (Aadhaar, PAN, etc.)
  • Passport-size photos
  • Medical reports (if required)

However, for claim processing or verification, originals may be requested later. Always check your insurer’s digital documentation policy to avoid delays.

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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.