Choose enough cover
Select cover based on the real financial loss or medical cost you may face.
Protection plans
Insurance
Choose insurance for health, life, vehicle, home, or another risk you want to protect.
Before you start
Insurance Eligibility and Document Guide
The right information depends on the person, vehicle, home, health, or other risk being insured.
Important before you apply
Key points to consider for Insurance
Check these points carefully before choosing an option or starting your application.
Read exclusions
Check waiting periods, deductibles, limits, exclusions, and claim conditions.
Share correct information
Do not hide health, vehicle, property, or other important facts from the insurer.
7 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
General Eligibility / Underwriting Principles
- Proposer must have legal capacity and the required insurable interest / relationship to the life, health, vehicle, property, liability or other risk being insured.
- Product entry/exit age, sum insured, geography and risk class are policy-specific.
- Complete and truthful disclosure of material facts is required.
- Insurer can ask for underwriting information before issuance.
- KYC / AML requirements apply.
- Policy must be issued by an IRDAI-registered insurer through an authorised channel/intermediary.
- Final premium can depend on age, health, location, claims history, asset value, occupation, usage, risk controls and selected cover.
45 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Common Purchase Documents
- Proposal form / digital proposal.
- PAN / Form 60 where applicable.
- Identity proof.
- Address proof.
- Recent photograph / live KYC where required.
- Date-of-birth/age proof.
- Mobile and email.
- Nominee/appointee details where applicable.
- Bank/payment details.
- CKYC/eKYC details where insurer uses them.
Conditional By Product
Life
- Income proof.
- Medical history / medical tests.
- occupation/lifestyle/tobacco details.
Health/Critical illness
- Medical history.
- pre-existing disease disclosure.
- medical reports/tests where required.
Motor
- RC.
- vehicle details.
- previous policy/NCB.
- driving licence and vehicle-use information.
- commercial permit/fitness for commercial vehicle.
Home/property
- property address.
- ownership/insurable interest.
- construction/contents value and details.
Cyber
- cyber-risk questionnaire.
- security controls.
- prior incidents.
- device/system/business profile depending retail/commercial product.
Pet
- pet identity/photos/microchip.
- vaccination and medical history.
- breed/age.
Common Claim Document Categories
- Claim form.
- Policy copy.
- KYC of claimant.
- Bank/NEFT details.
- Evidence of event/loss.
- Bills/invoices/medical/repair records.
- FIR/police/fire brigade/other authority report when event requires it.
- Additional insurer investigation documents.
Choose a service
Available Insurance options
Open the service you need, read its eligibility and document guide, and apply when you are ready.
Pvt Motor InsuranceAll Pvt Motors
Commercial Vehicle InsuranceOpen the guide and check what you need.
Bike InsuranceOpen the guide and check what you need.
Life InsuranceOpen the guide and check what you need.
Home InsuranceOpen the guide and check what you need.
Critical Illness InsuranceOpen the guide and check what you need.
Cyber InsuranceOpen the guide and check what you need.
Pet InsuranceOpen the guide and check what you need.
Health InsuranceOpen the guide and check what you need.
Simple steps
Choose insurance in three steps
Follow these three simple steps.
Choose the cover
Select health, life, motor, home, or another insurance need.
Compare the policy
Check premium, cover, exclusions, waiting periods, and service.
Apply correctly
Share full information and keep the issued policy document safely.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.