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Get a health insurance policy as a rescue for uncertain, rising medical costs and lifestyle challenges. This will help you to design coverage for surgical processes and medical treatment expenses. Before deciding to purchase health insurance, let’s check the documents required for health insurance and streamline the application process online.
What are the Documents Required for Health Insurance?
You may need to submit the documents required for health insurance when purchasing the plan.
Identity Proof
Identity proof of the policyholder and each family member is essential to avail coverage and maintain records.
- Aadhaar Card
- Voter Card
- Driving License
- Passport
- PAN Card
Age Proof
You must provide acceptable documents needed for health insurance as proof of age for you and all members to be included in the health insurance policy.
- 10th or 12th Marksheet
- Birth Certificate
- Aadhaar Card
- Passport
- Driving License
- PAN Card
- Voter ID
Address Proof
Permanent address documents required for medical insurance in India must be submitted when purchasing the policy.
- Aadhaar Card
- Ration Card
- Passport
- Electricity Bill
- Telephone Bill
- Driving License
- Voter ID
Medical Reports
Insurance companies may need to recheck particular tests of policyholders before issuing any health insurance plan.
- It will impact the policy premium
- Detect certain exclusions or conditions
- Reduce claim rejection
Passport-sized Photograph
Individual policyholders must provide a passport-size photo for the chosen health insurance policy.
- Ensure quick approvals
- Smooth processing
- Creates a policy record for the insurer
What is the Eligibility to Avail the Health Insurance Policy?
Eligibility to avail any medical insurance may vary based on factors, such as pre-existing diseases, age of policyholder and family members, etc.
Pre-medical Screening
Pre-medical screening is not mandatory for every insurance policy. Mainly, pre-medical screening is applicable for policyholders who are under 45 years old and have pre-existing conditions. It also affects policy premium amounts based on the existing health risk of buyers.
Age Criteria
The age criteria for children and adults differ for every plan. Most insurance plans cover a maximum age range for adults from 18 to 65 years, and up to 70 years for senior citizen medical plans. Besides that, policy benefits for children range from 90 days to 25 years.
Disclosure of Pre-Existing Disease
It is essential to disclose the medical condition you or family members are suffering from, such as a kidney problem, cardiovascular disease, diabetes, high blood pressure, etc. If you are an alcoholic, you need to disclose it to the insurer. Based on these criteria, you can choose plans with coverage, review waiting periods and reduce claim settlement issues.
Why is a Health Insurance Plan a Must-Buy Thing?
Good Quality Clinical Treatment
Health insurance provides top-notch quality treatments at network hospitals, so that you can focus on speedy recovery and treatment procedures. It safeguards savings against the ever-rising costs of surgeries, treatments, medications, and diagnostic procedures.
Meets Medical Inflation
In the present situation, medical policies enable insurance companies to pay the hospital’s bills directly. It also includes the benefits of pre- and post-hospitalisation costs, ambulance fees and medicine expenses to lower financial burden.
Cashless Hospitalisation
You and your family members are allowed to receive cashless treatment facilities at network hospitals, listed by the company. However, you may need to wait for 2 to 7 days for claim settlement under cashless or reimbursement options.
Mediclaim Policy Benefits
A Mediclaim Policy forms the foundation of most health insurance plans, covering essential hospitalisation expenses like room charges, surgeries, doctor fees, and diagnostic tests during your treatment. It works as your primary financial shield against medical emergencies, ensuring that unexpected hospital bills don’t drain your savings. With a Mediclaim Policy, you get reliable coverage for both planned procedures and sudden health issues, making it a practical choice for individuals and families alike.
Cashless Health insurance Advantage
Cashless Health insurance takes away the stress of arranging funds during hospital emergencies by letting the insurer settle bills directly with network hospitals. You simply show your insurance card at admission, get treated without upfront payments, and focus entirely on recovery while the company handles paperwork and payments behind the scenes. This Cashless Health insurance feature saves time, reduces financial panic, and ensures smooth access to quality medical care when every minute counts.
Fight against Lifestyle Disease
Health insurance policies enable individuals to claim for long-term treatment expenses of such lifestyle diseases, cancer, heart ailments, etc. Besides, it ensures access to essential modern treatments, comprehensive care and preventive services against lifestyle diseases.
Peace of Mind
Health insurance policies offer financial assistance to receive treatment with peace of mind. You do not have to stress about funding arrangements for paying hospital bills, since the insurance company will pay them.
What Documents are Needed to Claim Your Medical Insurance?
Before stepping into the claim application process, you need to collect the following documents essential for a health insurance policy claim.
- Medical insurance card
- ID Card of policyholder
- Policy card
- Original medical receipts
- Discharge papers
- Referral letter
- Copy of doctor’s prescription
- Medical reports
- Diagnostic test reports
- Original bills of a chemist or a pharmacy
- Police FIR (For Personal Accident Related Cases)
After collecting all documents, ensure that you have already informed the insurer about expenses within a specified time. Complete the claim form and sign it before submitting it along with the required documents. You can check the claim status online until it gets settled or reimbursed.
Key Takeaways
Healthcare is becoming expensive, resulting in a financial burden during emergencies. In this scenario, health insurance provides coverage against injury, sickness, major conditions or accidents for individuals in return for premiums. You need to submit the address, identity, and age proof documents required for health insurance when purchasing any plan.
