Coversfolio
Coversfolio
FREE CHECKLIST - NO SIGN-UP NEEDED
The complete list of documents insurers ask for, split by claim type - what each one needs to actually show, not just its name.
The insurer settles directly with the hospital, so you need far fewer documents yourself.
Your policy schedule or certificate - the document showing your policy number, sum insured, and coverage period. Usually emailed to you when you bought or renewed the policy, or downloadable from your insurer's portal or app.
Any one of: PAN card, Aadhaar card (both sides), Voter ID (both sides), Passport, or Driving licence (both sides) - current and not expired.
Issued by the hospital at discharge - includes diagnosis, treatment given, and the doctor's signature.
You pay the hospital yourself first, then claim the money back - so the insurer needs the full paper trail.
Your policy schedule or certificate - the document showing your policy number, sum insured, and coverage period.
Any one of: PAN card, Aadhaar card (both sides), Voter ID (both sides), Passport, or Driving licence (both sides) - current and not expired.
Issued by the hospital at discharge - includes diagnosis, treatment given, and the doctor's signature. This is the single document most reimbursement rejections trace back to when it's missing pages or illegible.
The hospital's final, itemized bill - room charges, procedure costs, and any other charges broken down separately, not just a total amount.
Doctor's consultation notes or prescriptions from before or after hospitalization, if your policy covers pre/post-hospitalization expenses.
Itemized pharmacy or medicine bills, ideally matched to a prescription from the same treatment period.
Receipts for outpatient consultations or tests related to this treatment, if applicable to your policy.
An obstetric history note (Gravida/Para/Living children/Abortions) from the treating doctor - part of the hospital's own Claim Form Part B. Pre-natal and post-natal records are usually needed too, and post-natal ones are normally fine to submit after the main claim, since that care often isn't finished yet when you file.
This is the general list. Coversfolio builds a checklist specific to your actual claim - with inline upload, guidance per document, and a compiled PDF at the end.
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