Documents required to buy health insurance online
Covid-19 and the pandemic years have taught us all how uncertain life is. There is no way to predict the future. The only thing that you can do is take extra care of yourself and try to be prepared for any situation. Investing in a health insurance policy for you and your family is the best way to safeguard them in case any emergency arises.
A health insurance policy has become an essential part of financial planning, now more than ever. With rapidly increasing costs of healthcare, insurance comes in handy to help you pay for medical expenses and protects you from financial losses in case of illness or injury. With the advent of technology, purchasing health insurance has become easier than it ever was. You can buy health insurance online, according to your budget and specific to your needs, from the comfort of your home. Insurers such as Chola Health Insurance have made online purchases easier and more informative over the years.
If you are planning to buy health insurance online, then it is important that you have all the required documents handy. The documents needed include:
1. Identity Proof
When you buy health insurance online, the first document you need is proof of identity, which is a document with your name and address. It is used by the insurance company to maintain their records. At the time of claims, this is used to verify the identity of the insured, and only then the claim amount is paid. You can use any of the following as proof of your identity –
- Aadhar Card
- Driving License
- PAN Card
- Passport
- Voter ID
2. Proof of Age
Most health insurance plans have an age limit for entry. You need to provide proof that you are eligible for the health insurance coverage policy you are opting for. The documents that are accepted as proof of age are as follows –
- Birth Certificate
- Aadhar Card
- Driving License
- PAN Card
- Passport
- Voter ID
3. Proof of Address
The next document you need to have to buy health insurance online is your address proof. It is important that your correct address is available to the insurance company so that they are able to communicate with you effectively. These documents can act as address proofs –
- Aadhar Card
- Passport
- Driving License
- Voter ID
- Utility bills like telephone bills, electricity bills, or gas bills
- Ration Card
- Rent Agreement, in case you are living in a rented house
4. Income Proof
To determine the assured insurance amount and to confirm your ability to pay the premium on time, you must provide proof of your income. Documents such as salary slips can act as proof of income when you buy health insurance online.
5. Medical Records
When you buy health insurance online, you need to provide your medical history. In some cases, a thorough medical examination is an essential component of your health insurance application process. It is through this that the insurance company is able to determine the candidate’s eligibility for a policy. You also need to disclose any pre-existing medical conditions, surgeries, hospitalizations, medications, and treatments that you have had in the past. This information is crucial for the insurance company to evaluate the risk your health is at and decide your premium amount.
6. Photographs
It is mandatory to attach your recent passport-size photographs at the time of purchasing health insurance online. These photographs are used to confirm your identity at the time of making claims.
7. Proposal Form
A proposal form is a formal request for a policy and is one of the most important documents between an insurer and an insured. A duly filled and signed proposal form should be submitted to your insurer. It should contain the following information:
- Your name, address, contact details, including email address
- Your age and occupation
- Your medical history
All details in the proposal form should be filled with complete honesty and to the best of one’s knowledge.
These are all the basic documents that are needed to buy health insurance online. Apart from these, there may be certain other documents or additional information that an insurance provider can ask from you if they are necessary, depending on their company’s regulations and policies. Once the insurance company has verified all these documents and is satisfied with the information furnished, they will then issue the health insurance policy to you.
On purchasing health insurance, the policyholder is eligible to make claims in order to cover the expense incurred due to any disease or injury. To file for a claim, a certain set of documents is needed as well. To ensure that the entire claim process is completed without any trouble, make sure that you keep originals as well as copies of these documents with you. If all required documents are not filed, there are chances that the claim will be rejected. The documents that are needed at the time of claims are as follows –
- Duly filled and signed claim form
- Proof of Identity
- Health card of the insured provided by the insurer
- Consultation papers from the doctor
- Diagnosis Report
- Pharmacy receipts
- FIR or MLC, in case of accidents
- Discharge papers, in case of hospitalisation
- Any other document that is relevant
Fast-paced lifestyles, low immunity and unhealthy eating habits all make a health insurance policy a need of the hour. Buying this online is extremely convenient. Make sure you have the above-mentioned documents ready when you are purchasing insurance and filing for claims.
Chola Health Insurance offers a wide range of plans for you to choose from as per your requirements. From pre and post-hospitalisation expenses and daycare expenses to recovery benefits, Chola Health Insurance has you covered. With a vast network of hospitals that accept Chola Health Insurance, you can be assured of a quality, easy and hassle-free treatment process. If you are looking to buy health insurance online, you can get in touch with Chola Health Insurance’s customer care representatives, who will guide you through the application process.
Once all the required documents are submitted and analysed, you will be granted your Chola Health Insurance policy. To know more about the policies, or any terms and conditions associated with these, head over to the Chola MS General Insurance website.
Summary
List of documents required to buy health insurance online
- Identity Proof
- Proof of Age
- Proof of Address
- Income Proof
- Medical Records
- Photographs
- Proposal Form
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Disclaimer: This post is for public information and knowledge
