List of Documents Required to Get a Health Insurance

The advent of thei Coronavirus pandemic has reiteratedi the importance of investingi in a Health Insurance.i Medical expenses have beeni on the rise andi individuals should invest ini a Health Insurance, suchi that they and theiri family are secured. Thei market for Health Insurancei is vast and accountsi for a wide varietyi of specified medical issuesi catering to individual andi family needs. It isi important to be acquaintedi with the documents requiredi for a health insurancei in India, such thati it is easier toi purchase a policy. Thisi write-up helps readers geti ready to navigate thei Health Insurance market byi providing them with ai detailed list of documentsi required to claim ai Health Insurance.

  

What is ai Health Insurance? 

  

By paying ai premium on a regulari basis, individuals are financiallyi secured in the eventi that they run intoi medical, surgical, prescription drugsi and on occasion, dentali expenses. The Health Insurancei company pays for anyi of the mentioned expenses,i should the insured runi into them. They eitheri reimburse the insured individuali directly or pay thei medical care provider thei dues owed / incurredi as a result ofi an illness or injury.i At times, company’s mayi seek to provide theiri employees with Health Insurance asi a part of theiri benefits plan. This plani encourages hard working employeesi to work for thei company in question. Thei company may pay ai portion of the premiumi of the Health Insurancei policy provided and/ ori may deduct a sectioni of the employee’s paychecksi to cover a portioni of the same.

  

Why isi it Important?

  

Health insurance isi an important asset onei ought to have upi their sleeve, to keepi them financially secure ini the event that theyi incur expenses arising fromi illness and / ori injury. Medical expenses cani be downright prohibitive toi fund entirely out ofi one’s pocket and ai Health Insurance can helpi offset these costs, drastically.i People with specialised diseasesi like cancer and diabetesi should consider investing ini health insurance, as theyi are more likely toi run into frequent medicali expenses and there existi specialised plans for them.

  

Documentsi Needed to Purchase ai Health Insurance/ Documents Requiredi for Claiming Mediclaim -

  

Toi make the process ofi purchasing a Health Insurancei as smooth as possible,i it is important thati potential investors compile thei required documents, in advance.i These documents include thei following:

  

Proof of Age –i This document is ofi paramount importance, as severali Health Insurance policies havei a specified age requirement,i which needs to bei fulfilled to be eligiblei for the same. Applicantsi may submit any onei of the following documentsi - voter ID card,i PAN card, Aadhaar card,i driving license, passport ori birth certificate.

  

Proof of Identityi – This document isi required by all Healthi Insurance companies, to establishi the identity of thei insured individual. This identityi can come in handyi in the future asi it can help thei insurer clarify the typei of coverage secured byi the insured. Applicants mayi submit any one ofi the following documents -i voter ID card, passport,i Aadhaar Card or drivingi license. PAN Cards issuedi in India are noi longer considered a validi proof of identity.

  

Proof ofi Address – This documenti allows for the companyi issuing the Health Insurancei to stay in contacti with the insured individual,i as they frequently maili varied communications via post.i Applicants may submit anyi one of the followingi documents - ration card,i driving license, passport, renti agreement if applicable, PANi Card, Aadhaar card ori utility bills like ani electricity bill or telephonei bill.

  

Passport-size photographs – Thisi requirement depends upon whati the insurer demands.

  

Medical Reportsi – These documents dependi upon what the insureri demands.

  

Proposal Form - Thisi document should be dulyi filled in and signedi in the appropriate areas.

  

Documentsi Needed to Make Claimsi –

  

Once an individual hasi secured a Health Insurance,i they may be entitledi to claims, which coveri the expenses they incuri that arise from ani illness or injury. Ini order to successfully submiti a claim, insured individualsi must have the followingi documents available on hand:

  

• Filledi in claim form
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• Medicali Certificate
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• Patient’s Discharge summaryi or card (original)
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• Prescriptioni and cash invoice fromi pharmacies/hospital
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• Investigation report
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• FIRi or Medico Legal Certificatei (MLC) – applicable ini the case of ani accident.

  

Conclusion

  

Individuals must do duei diligence and read thei fine print, carefully priori to investing in ai particular Health Insurance policy.i They should accumulate alli the documents required fori applying for a Mediclaimi and or/ Health Insurancei in advance, such thati they don’t run intoi any inconveniences at thei time of application. Thei insurance documents list encapsulatedi above is a usefuli tool.