What Documents Do I Have to Upload to Get Health Insurance Online

Traditionally, buying an insurance policy meant that yous had to be ready with a file containing a list of documents. Especially when buying a health insurance policy, an bidder was supposed to produce an assortment of proofs and reports. Nonetheless, with the decrease in the usage of physical documents and an increase in electronic documents, the burden of doing paperwork has reduced drastically.

Present, one has to submit a soft copy of the documents while buying wellness insurance plans online. This reduces the corporeality of newspaper used in any application process and the details can be fed to a database for easy access. However, less paperwork does not always imply less submission of documents or proofs. So, in this article, nosotros volition discuss the documents that you demand to be ready with while buying whatever health insurance policy. Note that unlike insurers might take different documentation requirements.

Nearly Of import Documents Required for Wellness Insurance

Documents required while buying health insurance plans

1. Age proof – This is an important document while buying health insurance as many policies have a fixed entry age. You tin submit a copy of whatsoever of the following documents:

   1. Voter ID Carte du jour

   2. Pan Card

   3. Aadhaar Card

   4. Driving License

   5. Passport

   6. Birth certificate

2. Identity proof – This certificate is required for the purpose of records. In the future, your ID proof will help your insurer identify the type of coverage offered to you lot. You lot can submit whatsoever of the following:

   1. Voter ID Card

   2. Passport

   3. Aadhaar Carte du jour

   4. Driving License

3. Accost Proof – Your wellness insurance company will need to send various communications on your postal address. Yous can submit any of the post-obit:

   1. Ration bill of fare

   2. Driving license

   3. Passport

   4. Rent agreement if applicative

   5. PAN Card

   6. Aadhaar Card

   7. Utility bills similar electricity bill, telephone pecker, etc.

4. Passport-size photographs (if demanded past the insurer)

5. Medical reports (if demanded by the insurer)

6. Proposal class duly filled in and signed

Documents required while making Claims

1. Duly filled the claim form

2. Medical Certificate

3. Patient's Discharge summary or carte (original)

4. Prescription and cash invoice from pharmacies/hospital

5. Investigation report

6. FIR or Medico Legal Certificate (MLC), in case of an accident

Things to keep in mind while buying health insurance

Health insurance is not a production that you browse and buy randomly. To get the best out of your policy, yous need to know your requirements and the nuts of health insurance. Only so will y'all be able to purchase a wholesome policy for yourself. Read on to know about things to keep in heed while ownership health insurance:

The sum insured

The main characteristic that will exist of utmost importance while buying your policy is the amount of sum insured. This will determine the extent of coverage while you face an unfortunate event. Call up that college the sum insured, higher volition be the cost of your health insurance policy.

Waiting period

Many policies have a waiting or cooling catamenia before it can provide financial aid for a specific medical condition. For example, the maternity benefit in a women'due south health insurance plan can have a waiting period of two years.

Network Hospitals

When y'all face a claimable state of affairs, y'all can enhance a claim in two means – cashless or reimbursement. The latter is when you accept already paid the bills and ask for your insurer to recoup yous for the financial loss.

To be able to raise a cashless merits, yous need to avail handling merely in a network hospital. This is because your insurer will have a network of hospitals where the company volition directly settle the beak with the authorities. You do not accept to pay much, just the deductibles. Look for an insurer with a big network of hospitals for your convenience.

Likewise, read: Is Group Wellness Insurance Mandatory for Employees in India?

Exclusions

I of the most important things yous need to go through while ownership a wellness insurance policy is the listing of exclusions. These are situations in which yous cannot raise a claim. Commonly, the insurer has a fixed set of exclusions, simply it is important to know which exclusions are in force on your health insurance policy. Reading the exclusions will reduce the adventure of claim rejection.

Also, check: Nominee in Health Insurance

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Source: https://www.acko.com/articles/health-insurance/6-most-important-documents-required-for-health-insurance/

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