Documents Required to Buy Health Insurance

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Before diving into comparing policies to select the ideal one for your loved one and you, don’t overlook it! Get your ID proofs ready. Paperwork may not be an exciting activity in the process, but having the necessary documents at your fingertips can make the process faster and smoother.


So, know what documents exactly you need to buy a health insurance plan?


What are the Documents Required for Health Insurance?


You need to submit the documents necessary for purchasing health insurance online.


1. Identity Proof


First, submit identity proof of each family member and policyholder. The policyholder's details are crucial for maintaining records and ensuring coverage.



  • Voter card

  • Aadhaar card

  • Driving license

  • PAN card

  • Passport


2. Age Proof


You also need to provide acceptable documents as evidence of your age, and that of all members included in the medical insurance policy.



  • 10th or 12th Marks sheet

  • Birth Certificate

  • Driving License

  • Aadhaar Card

  • Voter ID


3. Address Proof


A permanent document that proves your address is essential while purchasing the policy.



  • Aadhaar Card

  • Voter ID

  • Electricity Bill

  • Ration Card

  • Telephone Bill


4. Medical Reports


Most insurance companies require pre-test examination reports to recheck health issues before issuing a health insurance plan.



  • Medical reports impact the policy premium

  • Reducing claim rejections

  • Detect certain conditions or exclusions


5. Passport-sized Photograph


Each policyholder must provide a passport-size colour photograph to complete the health insurance purchase process.



  • It helps in quick approval

  • Hassle-free processing

  • Record Policyholder and Insured Members’ details


Fill out the form, sign it, and give all the requested information accurately to avoid any delay or rejection.


What is the Eligibility to Avail the Health Insurance Policy?


Eligibility to avail health insurance depends on key factors, including the age of the policyholder, pre-existing diseases, and family members.


1. Pre-medical Screening


Pre-medical screening impacts your policy premium, depending on existing health risks. Disclosure of pre-existing diseases is crucial, including health history or any disease that you or a family member is suffering from. Most insurers cover pre-existing disease treatments, including cardiovascular disease, kidney problems, high blood pressure, diabetes, etc.


2. Age Criteria


Age criteria for adults and children are different for each plan. Most insurance providers offer plans that cover a maximum age range for adults from 18 to 65 years and up to 70 years for senior citizen health insurance plans.


Besides that, most insurers cover children for a particular age range from 90 days to 25 years, subject to pre-medical screening.


However, pre-medical screening is not compulsory for each policy and is mainly applicable for individuals under 45 years old who reportedly have pre-existing diseases. Even if you smoke or are an alcoholic, you need to disclose this to the insurer. It impacts your policy premium and coverage needs.