A health insurance policy is unavoidable due to the COVID-19 pandemic and rising lifestyle diseases. It becomes an integral part of everyone’s financial portfolio due to the financial protection it provides during a medical emergency. Because numerous health insurance plans are available, it is critical to understand the requirements, policy basics, and documents and use health insurance policy comparisons for various factors before purchasing one.
In this article, we will explain what documents you must provide when purchasing health insurance and filing a claim.
- Age proof:
Your age proof is one of the most critical documents required for both basic health insurance and the best health insurance policy. You must also provide proof of age for all members who wish to be covered by the health insurance policy you have chosen. Some of the acceptable documents that you can provide are listed below:
- Certificate of Birth
- Passport tenth or twelfth-grade mark sheet
- The Aadhaar card
- Driving licence, voter ID, PAN card, and so on.
- Address verification:
Permanent address proof is also required. The following documents can be submitted:
- The Aadhaar card
- The telephone bills
- The electric bill
- Ration card Passport
- Driver’s licence
- Voter identification
- Identity verification:
You can provide your Aadhaar card, Voter ID, passport, PAN Card, and driving licence as proof of identity.
- Passport photo:
Online health insurance companies also require passport photos of all policy applicants.
- Medical reports:
Some health insurance companies require applicants to undergo medical tests. Customers are also required to submit all medical test results.
In addition, depending on their business model, some health insurance companies may request additional documents.
Documents required for health insurance claims
Here is a list of the documents you will need to file for reimbursement of health insurance claims for both basic policy companies and the best health insurance policy. Check out the following list:
- Original claim form, duly completed and signed
- Identity verification
- A doctor’s prescription recommending hospital treatment
- A prescription from a doctor recommending diagnostic tests, medications, and consultation
- Indoor case studies
- Acceptance of an ambulance
- Original pharmacy receipts
- As required, file a First Information Report (FIR).
- Policy specifics such as the policy number, insured’s name, address, and disease for which treatment is being sought
Additional documents that may be required to evaluate the claim in the event of fraud. The following documents are needed for cashless treatments:
- Pre-authorization form for claims
- A valid ID and a photograph are required.
- Documents such as a PAN card, a voter ID card, a driver’s licence, and an aadhar card
- The claim form and supporting documentation should be submitted to the insurer or third-party administrator.
The documents needed for cashless claims in a network hospital differ from those required to register a reimbursement claim. The benefit of a cashless online health insurance claim is that you do not need to submit any medical documents or bills to the health insurance company. The hospital where you are receiving treatment sends all necessary documentation and treatment information to your health insurance provider.
In the case of claim reimbursement, you will need to collect all necessary documents from the hospital where you were receiving treatment and submit them to your health insurer. The insurance company will verify your submitted papers before transferring the claim amount to your bank account.
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.