Health claim checklist: 7 documents insurers never tell you to keep

Cashless rejections are almost never about whether you were ill — they are about documents arriving late, incomplete or mismatched. We handle about 40 health claims a month and this is the set that makes the difference.

The seven

1. Pre-authorisation form signed by doctor and hospital TPA desk before admission (not after).
2. Doctor's admission note with reason, not just "under observation".
3. Investigation reports stapled to the same date — lab, scan and consultation must match.
4. Break-up bills — hospital main bill plus pharmacy, implant and consumables separately.
5. Discharge summary with final diagnosis and follow-up plan.
6. Pharmacy bills with prescription — outside pharmacy slips without the doctor's chit get cut.
7. Cancelled cheque / NEFT form for reimbursement top-ups.

Two habits that save weeks

Photo every paper before you hand it over — WhatsApp it to your advisor same day. And keep the same name spelling as on your policy across Aadhaar and hospital file; a single-letter mismatch delays TPA by 48 hours.

Need help with an ongoing claim? Talk to our claim desk — we pick up even on Sundays till 9 pm.