Documents required for buying health insurance online in India

There used to be a time when applying for health insurance used to be a tedious, time-consuming process. However, with the advent of technology, insurers have upgraded to make sure that the application process for health insurance has become easier than ever. Today, you can easily buy health insurance online in India by following a few simple steps.

 

For availing online health insurance, you can seek the insurer of your choice and submit the documents required for health insurance completely online.

 

To help you know more about which documents are required for buying health insurance online in India, here is a useful guide.

 

Documents Required for Buying Health Insurance Online

1. Proof of Age:

Many online health insurance policies have specific age-related guidelines and fixed entry age in place. Hence, an age of proof is a vital health insurance document to ensure that you fall under the specified age bracket for the policy. Any of these documents can be submitted as age of proof:

• Aadhar Card
• Voter ID card
• Passport
• Driving License
• Birth certificate

2. Proof of Identity:

This is not only an essential health insurance document but is also required in applications of almost every other kind. In terms of online health insurance, however, identity proof is required for the purpose of records. It marks you as the guarantor of your identity and is useful during the insurance claim process. Any of these documents can be submitted for the purpose:

• Aadhar Card
• PAN Card
• Voter ID card
• Passport
• Driving License
• Birth certificate

 

3. Proof Of Address:

Another essential document required for health insurance is a proof of address. This document provides information about your residence and allows the insurer to deliver various essential communications including invoices and renewment of policy documents.

 

Note: Even if you buy health insurance online and the application process is entirely online, submitting a proof of a physical place of residence is essential. Here are the documents you can submit for the purpose:

• Aadhar Card
•  PAN Card
• Ration Card
• Passport
• Driving License
• Utility Bills such as electricity bills, water bills etc.
• Rental agreement

 

4. Medical Reports:

Medical tests make up an important part of your online health insurance application process. Not only does it help the insurer decide the eligibility of the insurance seeker, but it also helps them gauge the amount of health risk associated with the individual.

 

Medical tests are a thorough check-up of your physical health. The resulting medical reports are essential health insurance documents since they shed light on your current health and flag any conditions that you might develop in the future. This is valuable information for the health insurer and helps them determine your premiums and overall coverage amount. It also establishes transparency with the insurer and helps during the health insurance claim process.

 

5. Proposal Form:

When buying health insurance online, the most basic and important document you must have is the insurance proposal form. The proposal form is an important part of the agreement made between the insurer and the policyholder. This basic health insurance document includes mandatory details such as the name of the insured and his or her age, address, education, and occupation. It also includes the medical history of the insured. This proposal form needs to be duly filled in with all updated information and then signed.

 

6. Passport-sized Photos:

The last and simplest document required to buy health insurance online are copies of your passport-sized photographs. These can be submitted online, provided they fit the appropriate guidelines and dimensions for passport photographs.

 

Conlusion:

Now that you are familiar with the documents required to buy health insurance online, you too can get the health insurance plan of your choice by availing the convenience of technology. For some of the most reliable online health insurance policies in the market, look no further than Niva Bupa’s individual health insurance plans and family health insurance plans available on the website.