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6 Most Important Documents Required for Health Insurance

Team AckoOct 7, 2021

Traditionally, buying an insurance policy meant that you had to be ready with a file containing a list of documents. Especially when buying a health insurance policy, an applicant was supposed to produce an array of proofs and reports. However, with the decrease in the usage of physical documents and an increase in electronic documents, the burden of doing paperwork has reduced drastically.

Nowadays, one has to submit a soft copy of the documents while buying health insurance plans online. This reduces the amount of paper used in any application process and the details can be fed to a database for easy access. However, less paperwork does not always imply less submission of documents or proofs. So, in this article, we will discuss the documents that you need to be ready with while buying any health insurance policy. Note that different insurers might have different documentation requirements.

6 Most Important Documents Required for Health Insurance

Most Important Documents Required for Health Insurance

Documents required while buying health insurance plans

  1. Age proof – This is an important document while buying health insurance as many policies have a fixed entry age. You can submit a copy of any of the following documents:

    1. Voter ID Card

    2. Pan Card

    3. Aadhaar Card

    4. Driving License

    5. Passport

    6. Birth certificate

  2. Identity proof – This document is required for the purpose of records. In the future, your ID proof will help your insurer identify the type of coverage offered to you. You can submit any of the following:

    1. Voter ID Card

    2. Passport

    3. Aadhaar Card

    4. Driving License

  3. Address Proof – Your health insurance company will need to send various communications on your postal address. You can submit any of the following:

    1. Ration card

    2. Driving license

    3. Passport

    4. Rent agreement if applicable

    5. PAN Card

    6. Aadhaar Card

    7. Utility bills like electricity bill, telephone bill, etc.

  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

  1. Duly filled the claim form

  2. Medical Certificate

  3. Patient’s Discharge summary or card (original)

  4. Prescription and cash invoice from pharmacies/hospital

  5. Investigation report

  6. FIR or Medico Legal Certificate (MLC), in case of an accident

Things to keep in mind while buying health insurance

Health insurance is not a product that you browse and buy randomly. To get the best out of your policy, you need to know your requirements and the basics of health insurance. Only then will you be able to purchase a wholesome policy for yourself. Read on to know about things to keep in mind while buying health insurance:

The sum insured

The main feature that will be of utmost importance while buying your policy is the amount of sum insured. This will decide the extent of coverage while you face an unfortunate event. Remember that higher the sum insured, higher will be the cost of your health insurance policy.

Waiting period

Many policies have a waiting or cooling period before it can provide financial aid for a specific medical condition. For example, the maternity benefit in a women’s health insurance plan can have a waiting period of 2 years.

Network Hospitals

When you face a claimable situation, you can raise a claim in two ways – cashless or reimbursement. The latter is when you have already paid the bills and ask for your insurer to compensate you for the financial loss.

To be able to raise a cashless claim, you need to avail treatment only in a network hospital. This is because your insurer will have a network of hospitals where the company will directly settle the bill with the authorities. You do not have to pay much, just the deductibles. Look for an insurer with a large network of hospitals for your convenience.

Also, read: Is Group Health Insurance Mandatory for Employees in India?


One of the most important things you need to go through while buying a health insurance policy is the list of exclusions. These are situations in which you cannot raise a claim. Usually, the insurer has a fixed set of exclusions, but it is important to know which exclusions are in force on your health insurance policy. Reading the exclusions will reduce the risk of claim rejection.

Also, check: Nominee in Health Insurance


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