Buying insurance online is easy, but missing documents can delay approvals. In 2025, insurers accept Aadhaar, PAN, and digital uploads, but each product—term, health, or motor—needs its own checklist. Here’s a simple guide with everything you should keep ready.
India Snapshot
- Accepted IDs: Aadhaar, PAN, Passport, Voter ID, Driving Licence.
- Address Proofs: Aadhaar, utility bills, rental agreement.
- Income Proofs (Term Plans): Salary slips, IT returns, Form 16.
- Payments: UPI, cards, NetBanking, EMI for yearly premiums.
- Download Option: Most platforms (PolicyBazaar, Coverfox, insurer sites) allow upload & e-sign.
Ready to apply? Compare & apply with documents checklist:
Check Term Plans on PolicyBazaar
Explore Health & Motor on Coverfox
Term Insurance – Documents Needed
- Identity Proof – Aadhaar, Passport, PAN.
- Address Proof – Aadhaar, Utility bill, Voter ID.
- Income Proof – Salary slips (last 3 months), ITR, Form 16.
- Age Proof – Birth certificate, PAN card.
- Medical Reports – Insurer may request blood tests, ECG, etc.
Keep soft copies ready (PDF <5MB each).
Health Insurance – Documents Needed
- Identity Proof – Aadhaar, Passport, Driving Licence.
- Address Proof – Aadhaar, Utility bill.
- Age Proof – PAN, Birth certificate, School certificate.
- Medical History – Past records if pre-existing diseases declared.
- Passport Photos – For policy issuance.
For claims: hospital bills, discharge summary, diagnostic reports.
Motor Insurance – Documents Needed
- Identity Proof – Aadhaar, Driving Licence, Passport.
- Address Proof – Aadhaar, Voter ID, Utility bill.
- Vehicle Documents – RC (Registration Certificate), Pollution Certificate.
- Previous Policy – Renewal cases need last insurance copy.
- Photographs – Vehicle inspection photos (for break-in cases).
Claims need FIR copy (accidents/theft) + repair invoices.
Pros and Cons of Going Digital
Pros
- Faster policy issuance.
- Easy storage & reuse for renewals.
- GST invoices emailed instantly.
Cons
- Some insurers still demand physical medical reports.
- Upload size limits can delay applications.
Quick Checklist (Downloadable PDF)
Term Insurance → ID + Address + Income + Medicals.
Health Insurance → ID + Address + Age + Medical history.
Motor Insurance → ID + Vehicle RC + Previous policy.
Compare and buy insurance in minutes with just a few documents:
Apply for Term Insurance
Get Health & Motor Plans on Coverfox
In 2025, insurance paperwork in India is simpler than ever. With Aadhaar, PAN, and basic medical history, most policies can be issued digitally. Term plans may need income proof, health insurance may ask for past records, and motor insurance always needs RC details. Keep this checklist ready, download it, and save time when applying.
