Documents Important For Health Insurance

Health insurance has become more important than ever before with the costs of healthcare surging every year. Moreover, insurance provides a sense of financial stability in case of uncertainties such as sickness and the costs incurred from it. To purchase health insurance, however, there are certain documents that you must provide. This is because the insurance policy is ultimately a legal document and the documents are required for establishing the legality. Thus, the insurance company will only issue a policy once they receive the required documents. Additionally, there are other documents that will be required when filing for a claim. Read this article to find out what they are.

What are the Documents Required For Purchasing Health Insurance?

The following are the documents that are required to be submitted to the health insurance company at the time of purchasing the insurance policy:

• Health Insurance Proposal: This must be duly filled and signed by the proposer of the insurance policy.

• Identity Proof: Identification for the proposer as well as every insured member under the policy is required.

• Age Proof: Documents that verify the age of every individual covered under the insurance policy.

• Address Proof: Of every individual covered by the insurance policy.

• Medical Examination Report: Some insurance companies require medical check-ups due to the age of insured sum.

• Income Proof: This is mostly required only for high-value insurance policies and requires proof of only the proposer's income.

What are the Documents Required For Filing a Health Insurance Claim?

If you need to make a health insurance claim the following documents will be required to process it:

• Pre-authorization Claim Form: In case of emergency hospitalisation this must be filed within 24 hours and if planned 3-4 days before the date of hospitalisation.

• Claim Form: Filled and signed by the policyholder.

• Health Card: This is a card that will be issued by the insurance company for every member insured by the policy.

• Identity Proof: Proof of identification for the insured member who requires the claim only.

• Discharge Certificate: certificate or summary of patient discharge

• Medical Bills and Reports: all original bills and reports must be provided.

• Hospital Records: records or investigative reports if any must be provided.

• Medical Prescription and Bills: all original bills and prescriptions will be required.

• Hospitalisation Advisory: Prescription from the doctor that clearly states the need for hospitalisation.

• Bank Details: In case of reimbursement.

There may be additional documents that will be required depending on your situation and claim.

Takeaway

To conclude, since the insurance document is ultimately a legal document it requires a number of official documents to establish its legality. Moreover, there are separate documents that are required in order to file a claim. Having health insurance has become more important than ever before now with high costs of medical care. However, purchasing it has become simple. You can compare health insurance plans, calculate their premiums, renew existing policies online with just a few clicks. What's more, there is an insurance plan for every person's needs. For example, the critical illness plans that are geared to cover more severe conditions and Aarogya Sanjeevani Policy that is geared to basic healthcare needs. If you want to know more about health insurance by reading other articles click here.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.