List of necessary documents for buying Insurance Policies in India as well as claim processing

Buying insurance plans has become quite simple due to the availability of the online platform which allows you to buy a policy from your home or office. Whenever you buy insurance whether online or through insurance agents, you are required to submit a set of documents to the insurance company. An insurance policy is a legal contract and thus, to establish the legality of the contract, insurance documents are needed. After the insurance company verifies the submitted documents, the insurance policy is issued. Moreover, at the time of an insurance claim, a specific set of documents would have to be submitted for claim settlement.

Table of Contents

• Documents required for buying insurance plans in India
  • Life insurance
  • Health insurance
  • Motor insurance
• Documents required for an insurance claim
  • Life insurance claims
  • Health insurance claims
  • Motor insurance claims

Since documents are important for buying insurance and also for making a claim, let’s have a look at the types of documents needed for insurance.

What are the documents required for buying insurance plans in India?

Different documents are required to buy different types of insurance plans. So, let’s analyze the documents required to buy different types of insurance plans separately-

Life insurance

To buy a life insurance policy, the following documents would be required-

1. Life insurance proposal form, duly filled and signed by the proposer and/or the life-insured
2. Photograph of the proposer
3. Photograph of the life insured (if different from the proposer)
4. Age proof of the proposer and/or the life-insured
5. Identity proof of the proposer and/or the life-insured
6. Address proof of the proposer
7. Medical examination report of the life insured if required by the policy because of the age and/or the sum assured chosen
8. Income proof of the proposer if the sum assured and/or the premium of the policy is high
9. PAN card of the proposer

Health insurance

For a health insurance plan, the following set of documents would need to be submitted –

1. Health insurance proposal form, duly filled and signed by the proposer
2. Identity proof of the proposer and the insured members
3. Age proof of the insured members
4. Address proof of the proposer and insured members
5. Medical examination report if pre-entrance medical check-ups are specified by the insurance company due to the age and/or the sum insured chosen
6. Income proof of the proposer for very high sum insured levels

Motor insurance

To buy a car or a bike insurance plan, the following insurance documents would be required –

1. Proposal form for car or bike insurance, duly filled and signed by the vehicle owner
2. Invoice of the vehicle if a new insurance policy is being bought
3. RC book of the vehicle
4. Identity proof of the proposer
5. Address proof of the proposer

What are the documents required for an insurance claim?

In case of a claim in your insurance policy, the requirement of insurance documents would depend on the type of insurance policy that you have bought and the type of claim suffered. So, here is a look into the claim-related documents that would be needed in different types of insurance claims:

Life insurance claims

Life insurance claims can be maturity claims, money-back claims, or death claims. The documents needed for maturity and money-back claims are the same while for death claims, the documents are different. Let’s understand how –

Documents needed for maturity or survival claims

1. Discharge voucher sent by the insurance company, duly filled and signed by the policyholder
2. Life insurance policy bond
3. Identity proof of the policyholder, legal heirs, or assignee as the case may be
4. Bank account details of the policyholder, legal heirs, or assignee as the case may be
5. Age proof of the insured member if it was not submitted at the time of buying the policy

Documents needed for death claims

1. The death claim form, duly filled and signed by the nominee
2. Life insurance policy bond
3. Death certificate of the life-insured
4. Identity proof of the nominee, legal heirs, or assignee as the case may be
5. Bank account details of the nominee, legal heirs, or assignee as the case may be
6. Police FIR if death happened due to an accident
7. Post-mortem report, coroner’s report, police inquest report, panchnama, and other relevant records if death happened in an accident
8. Any other document as needed by the insurance company to settle the claim

Health insurance claims

In the case of health insurance claims, the documents required for insurance claims are as follows –

1. Pre-authorization claim form for cashless hospitalization. This form should be filled out and submitted within 24 hours of emergency hospitalization. In case of planned hospitalization, the form should be submitted at least 3-4 days before hospitalization
2. Health card issued by the insurance company
3. Identity proof of the insured member
4. The claim form, duly filled and signed by the policyholder
5. Discharge summary or certificate of the patient
6. All medical bills and reports in the original
7. Hospital records and investigative reports
8. Medical prescriptions and cash invoices in original
9. Police FIR or a Medico-Legal Certificate in case of accidental hospitalisation
10. Doctor’s prescription advising hospitalization
11. Reports of all attending medical practitioners
12. Bank details of the policyholder in case of reimbursement claims
13. Any other document as needed by the insurance company depending on the claim

Motor insurance claims

In the case of a car or bike insurance claim, the documents required for the insurance claim are as follows –

1. The claim form, duly filled and signed by the policyholder
2. Identity proof of the policyholder
3. Driving license of the driver using the vehicle at the time of the accident
4. Copy of the policy bond
5. RC book of the insured vehicle
6. Tax receipt of the vehicle
7. Police FIR in case of third-party claims or theft of the vehicle
8. Non-traceable certificate issued by the police authority in case of theft of the vehicle
9. Invoice of the vehicle in case of theft or total loss or if required by the insurance company
10. Surveyor’s report
11. Bills of repair works issued by the garage and the payment receipts
12. Bank details of the policyholder in case of reimbursement claims
13. Any other document as needed by the insurance company for processing and settling the claim

These documents are necessary to buy an insurance policy or make a claim in it. You should, therefore, keep the documents handy in both these instances so that you can buy an insurance policy easily and also get the settlement of your insurance claims without any hassles.

Read more:

• Types of Health Insurance Plans
• Top Life Insurance Plans in India
• Comprehensive motor insurance plans

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