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Consider city medical costs, family size, age, and existing employer cover.
Insurance
Health Insurance
Choose health cover for hospital and medical costs for yourself or your family.
Before you start
Health Insurance Eligibility and Document Guide
Check the basic rules and keep the required records ready before starting this service.
Important before you apply
Key points to consider for Health Insurance
Check these points carefully before choosing an option or starting your application.
Read waiting periods
Check pre-existing disease, specific illness, maternity, and other waiting rules.
Check claim conditions
Review room limits, co-pay, deductible, exclusions, and cashless hospitals.
14 eligibility points
Eligibility Criteria
See the basic conditions normally checked before you can apply.
Eligibility / Underwriting
- Entry age varies by plan; many insurers have separate adult/child/senior products.
- Individual/family floater relationships must be permitted by the policy.
- Resident/NRI eligibility is product-specific.
- Applicant must disclose:
- current/pre-existing diseases,
- past hospitalisations/surgeries,
- medication/treatment,
- proposed/ongoing investigations,
- tobacco/alcohol where asked,
- height/weight and occupation where asked.
- Insurer can require medical tests based on age, sum insured or health history.
- Pre-existing disease waiting period, specific disease waiting period and initial waiting period are product-specific.
- Acceptance, loading, exclusions or decline can depend on underwriting.
- Portability/continuity requires previous-policy data.
44 document points
Document Requirements
Check which clear and valid documents you should keep ready.
Purchase Documents
- Proposal form.
- identity proof.
- address proof.
- age proof.
- PAN/KYC as required.
- photographs/live KYC.
- mobile/email.
- nominee.
- bank/payment details.
- health declaration.
- medical records/reports where applicable.
- medical examination reports if requested.
- income proof where required for high sum insured or specific plan/benefit.
Family Floater
For every insured member
- name
- DOB/age proof
- relationship
- health declaration
- KYC where insurer requires
- medical reports where applicable
Portability / Renewal
- existing policy number/copy.
- continuity certificate/claim history where required.
- previous sum insured.
- no-claim/bonus details.
- requested enhancement.
- updated medical declaration.
Claim Documents
Reimbursement
- claim form.
- policy/health card.
- doctor prescription/referral.
- admission/discharge summary.
- hospital bills and receipts.
- pharmacy bills/prescriptions.
- investigation reports.
- implant/consumable bills where relevant.
- FIR/MLC for accident where applicable.
- bank/NEFT details.
- KYC as required.
Cashless
- policy/health card.
- ID.
- pre-authorisation request from hospital.
- medical records/estimate.
- insurer/TPA may seek additional documents.
Buy health insurance in three steps
Follow these three simple steps.
- 1Check the coverReview what health insurance covers, does not cover, and when the cover starts.
- 2Share correct detailsEnter the requested personal, health, vehicle, home, or risk information correctly.
- 3Buy and keep the policyPay only after checking the policy terms and keep the issued policy safely.
More insurance services
Open another service to read its own eligibility and document guide.
Reference Basis
These public sources were checked for this guide. Rules can change, so open the source for the latest official information.