Documents commonly asked for in a health claim. For cashless claims the hospital and the insurer or TPA exchange most of them.
A general checklist does not replace your policy wording or the list your insurer gives you for your claim. Ask the insurer what it needs in your case.
| Document | What it is for | When it may be needed | Differs by insurer? |
|---|---|---|---|
| Health card or policy number | Identifies the policy and the insured person. | Always | Usually the same |
| Photo identity of the patient | Confirms the patient is insured. | Always | Usually the same |
| Claim form, signed | Your formal request for payment. | Reimbursement claims | Yes, can differ |
| Discharge summary | Diagnosis, treatment and dates. | Reimbursement claims | Usually the same |
| Original bills, receipts and pharmacy bills | Prove what you paid. | Reimbursement claims | Usually the same |
| Investigation reports and prescriptions | Support the diagnosis and medicines. | Reimbursement claims | Yes, can differ |
| Police report (FIR or MLC) | Records the circumstances of an accident. | Accident cases, when the insurer asks | Yes, can differ |
| Cancelled cheque or bank details | For the payment. | Reimbursement claims | Yes, can differ |
Last reviewed on 18 October 2026.
Official resources
- IRDAI policyholder website (opens in a new tab)IRDAI's site for policyholders: consumer education and how to complain.
- How to make a complaint (IRDAI) (opens in a new tab)Complain to the insurance company first. If it does not resolve the complaint within two weeks, or you are not satisfied, escalate to IRDAI.
Addresses checked on 19 October 2026.
Step-by-step guides
- How to make a health insurance claimCashless or reimbursement: which route to take and what happens at each step.
- Cashless health claimsHow cashless treatment is approved at a network hospital, and the time limits.
- Reimbursement health claimsPaying the hospital first and claiming the money back: documents and time limits.