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Documents you need for health insurance purchase and claim-Pragati Funds

Friday, November 6th, 2020

Documents you need for health insurance purchase and claim

Health Insurance has become a great savings tool in today’s time. Out of all, it is the best type of investment you can make. It helps in the time when you need it most – medical emergencies. No one wants to compromise on health and medical issues and, that is where a good Health Insurance policy comes to the rescue. 

While buying a health insurance policy there are a lot of questions that come to mind and it can get really confusing what documents to carry, what to submit, and what’s required to be done to claim the insurance. So here is a list of documents that you need to buy health insurance and then while making a claim.

 

Documents required to buy Health Insurance

Proof of Age: This is essential as many insurance plans require a minimum age and it depends on the age for availing different products. You can submit any documents from the following lists, or as said by the insurer:

 

  • Aadhar Card
  • Pan Card
  • Voter ID
  • Driving License
  • Passport 
  • Birth Certificate

 

Identity proof: These documents are required for proof of your identity. What kind of insurance to be offered and it helps in identifying in the future as well. For identity proof any of the following documents will do:

  • Voter ID
  • Passport
  • Driving License
  • Aadhar Card

 

Proof of Residence: Where you reside is important for many reasons. The insurer needs to know where you live and a lot of communications will require your postal address. The following documents can be submitted:

  • Passport 
  • Rent Agreement
  • PAN Card
  • Aadhar Card
  • Driving License
  • Electricity Bills

Other Documents: There are a few other important documents that the insurer will need from you. The Insurer will need a passport size photograph/s, medical reports, and a duly filled form. However, you should once confirm with the insurer what other documents will be needed for no last-minute hassle.

Documents Required While Making a Claim

The main idea of buying health insurance is to ensure financial stability and assistance during medical emergencies. The safety of you and your family is important. Filing a claim in the need of the hour is the best way to ensure there are no lapses in treatment and medication. To claim health insurance you need the following docs: 

  • Duly filled and signed Claim form
  • Medical Certificate
  • Discharge Card/Summary
  • Prescription and bills from Hospital
  • Other Test Reports like X-ray, blood test, etc
  • In case of accidents – FIR or MLC

 

It is advisable to keep a copy of all the documents that you submitted while purchasing health Insurance and, also while claiming it. Health Insurance is not something that you can simply buy without any consideration, it has to be given a lot of thought, and choose the best health insurance policy that suits you and your family. 

Pragati Funds helps people develop an understanding of Health Insurance policies and help them make well-informed decisions. We believe in having a relationship of sustainability based on ethical values and fair business practices. For more information, visit: https://www.pragatifunds.com/