Basic Document Checklist
Whether you are applying in India or internationally, health insurance onboarding relies on standard KYC (Know Your Customer) and underwriting documents:
- Identity Proof: Aadhaar card, Passport, Voter ID, or Driver’s License.
- Age Proof: Birth certificate, Passport, 10th/12th grade school certificate, or Driver’s License.
- Address Proof: Utility bills (electricity/water bill under 3 months old), rental agreement, Passport, or Aadhaar.
- Income Proof: Latest 3 months’ salary slips, Form 16, or ITR acknowledgment (typically required for high-sum insured plans or specific riders).
- Medical Records: Past hospital discharge summaries, prescription records for chronic conditions (e.g., diabetes, hypertension), or results from pre-policy medical checkups (usually for ages 45+ or high-cover plans).
- Photographs & Payment Proof: Passport-size photographs and a cancelled cheque/bank details for automated claim payouts and premium setup.
Common Health Insurance Plans
| Plan Category | Best Suited For | Key Features |
| Individual Health Plan | Single adults, young professionals | Covers one person with a dedicated sum insured; claims do not impact anyone else. |
| Family Floater Plan | Nuclear families (spouses + children) | Single sum insured shared among all family members; lower overall premium than individual covers. |
| Senior Citizen Health Plan | Parents / individuals aged 60+ | Designed for older adults; often includes shorter waiting periods for pre-existing diseases, though co-pay clauses may apply. |
| Critical Illness Plan | Individuals seeking fixed-benefit cover | Pays a lump-sum payout upon diagnosis of listed major illnesses (e.g., cancer, stroke, kidney failure) regardless of hospital bills. |
| Super Top-Up Plan | Enhancing existing coverage at low cost | Activates after base policy or out-of-pocket threshold (deductible) is exhausted; highly cost-effective for large covers. |
| Maternity / Women-Centric Plan | Couples planning a family | Covers delivery expenses, newborn care, and prenatal/postnatal visits (usually carries a 1- to 3-year waiting period). |
Are you looking to purchase a policy for yourself, your family, or elderly parents? Sharing the age bracket and specific city/country will help narrow down the ideal coverage size and plan type.
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