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Health Insurance Documents – Know About the documents required to buy Health Insurance Plans in India
Health insurance plans have become quite important in today’s age when medical costs have become very high. To face such high medical costs individuals are increasingly buying and securing themselves with a health insurance plan. Thanks to the online mode, buying a health insurance plan has also become very easy and convenient. You can visit the website of a reputed broker, compare the plans available in the market, and find the coverage that you want, make online payment and buy the plan. It is as simple as that.
Some documents are required when you buy health insurance plans. These documents verify your details and help you buy the plan quickly. If you keep the required documents handy, the plan is issued easily and quickly. Do you know what are the documents required for health insurance in India?
Many don’t. So, here is a list of the required documents for your knowledge:
- Age proof – the first and the most important document is your age proof. Since your health insurance premium depends primarily on your age, you have to furnish a valid proof of your age. Some commonly accepted age proofs are as follows:
- Birth certificate
- Voter’s ID Card
- Pan Card
- Aadhar Card
- Driving Licence
- Passport, etc.
- Identity proof – your valid identity proof is required to authenticate your identity. The commonly accepted identity proofs include the following:
- Voter’s ID Card
- Passport
- Aadhar Card
- Aadhar Card
- Driving Licence, etc.
- Address Proof – all the communication sent by the insurance company, including the policy bond, is delivered at a particular address. That is why an address proof is required by the insurer. You can submit any one of the following as a valid address proof
- Utility bills like electricity bill, telephone bill, etc.
- Ration card
- Driving license
- Passport
- Rent agreement if you are tenant, etc.
- A copy of your PAN Card
- A copy of your Aadhar Card
- Your passport sized photograph
- Medical examination reports if you have undergone any pre-entrance medical check-ups required by the company depending on your age and sum insured
- Proposal form duly filled in and signed
- After these documents are submitted, they are analysed by the insurance company and then the health insurance plan is issued.
Choose wisely!
Over to You
Care Health Supreme and HDFC ERGO Optima Restore are among the best health insurance policies in India today. It is a matter of your priority, coverage depth over cost effectiveness. Here’s a quick recap for you to make an informed decision.
Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Speak to an Advisor Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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Jan 08, 2025
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