Health Insurance Claim Checklist

Health Insurance Claim Checklist

Having the right documents ready makes your claim process faster and smoother. Below is the complete checklist of must-have documents:

• 1 Duly filled and signed Claim Form
• 2 Policy Document / Health Card
• 3 Hospital Registration & Discharge Summary
• 4 Final Hospital Bill & Original Receipts
• 5 Doctor’s Prescription & Investigation Reports
• 6 Pre-authorization approval letter (for Cashless claims)
• 7 Bank Details / Cancelled Cheque
• 8 Identity Proof (Aadhar, PAN, Passport, etc.)

✔️ Always keep photocopies and digital copies of all documents

Quick Access

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Cashless vs Reimbursement

Cashless: The hospital directly settles the bill with the insurer. You only need to pay non-covered expenses. Requires pre-authorization approval.

Reimbursement: You pay the bill first, then submit documents to your insurer to get reimbursed. Requires original bills and payment proof.

Frequently Asked Questions (FAQs)

1. Can I file a reimbursement claim after hospital discharge?

Yes. You can submit the claim form along with all original documents to your insurer after discharge.

2. Do I need to carry documents during Cashless hospitalization?

Yes. Carry your policy card, valid ID proof, and any pre-authorization letter from your insurer/TPA.

3. What if my insurer rejects some charges?

Ask for a written rejection reason. You can appeal with supporting bills or escalate to the grievance redressal team.