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.
FAQs
Q. Do I have to go through medical tests to buy Health Insurance?
A. Yes, the insurance company may ask you to undergo medical tests, and it also depends on the entry age of the applicant.
Q. Can I claim twice under my health insurance policy?
A. Yes, you can claim unlimited times under your health insurance policy up to the sum assured by the policy.
Q. What documents can I submit as ID proof to buy a health insurance plan?
A. You can submit the following documents like ID proof:
- Voter ID
- Passport
- PAN Card
- Driving License
- Aadhaar Card
Q. What is a health check-up facility under health insurance?
A. Various health insurance companies offer annual health check-ups to the policyholders as a part of the coverage benefits.
Q. What is a Network Hospital?
A. Health insurance companies have tie-ups with some hospitals in the country that offers cashless treatment to the insured.
Disclaimer: The information published in this article is for the reader′s reference only. The content of this information is to provide an overview of your health insurance needs and should not be relied upon for personal, medical, legal, or financial decisions; you should consult an appropriate professional for specific advice. The Company makes no representations about the suitability, reliability, timeliness, and accuracy of the information, services, or any other items mentioned on this subject for any purpose whatsoever.
*Standard Plans Terms and Conditions apply.