Sahi documents tayaar rakho — process fast hoga. Free advisory via WhatsApp. T&C applicable.
Free Advisory — WhatsAppInsurance ke liye basic: PAN, Aadhaar, photo, income proof. Health ke liye medical records extra. Motor ke liye vehicle documents. ProWiderKart checklist guidance deta hai. T&C applicable.
Identity Proof (any one): Aadhaar, PAN, Passport, Voter ID, Driving License
Address Proof (any one): Aadhaar, Utility bill, Bank statement, Rent agreement
Photograph: Recent passport size
T&C applicable.
Basic documents +
✅ Income proof: Salary slip / ITR / Form 16
✅ Age proof: Birth certificate / Aadhaar
✅ Medical reports (high sum insured pe)
✅ Bank account details
High sum insured mein full medical examination. T&C applicable.
Basic documents +
✅ Pre-existing disease medical records
✅ Previous health insurance policy (if any)
✅ Age proof
Group health (employers):
✅ Employee list with age/designation
✅ Company registration documents
T&C applicable.
Basic documents +
✅ Vehicle RC (Registration Certificate)
✅ Previous insurance policy (renewal ke liye)
✅ Vehicle photos
New vehicle: Invoice/Form 21, Road Tax receipt
T&C applicable.
Most cases mein PAN required. Kuch small premium policies mein exception. T&C applicable.
DigiLocker documents most insurers accept karte hain. Original bhi rakho. T&C applicable.
Self-employed ke liye ITR, bank statement alternative. ProWiderKart guide karega. T&C applicable.
DigiLocker + email + physical copy — teeno jagah. Nominee ko bhi batao.
ProWiderKart WhatsApp pe free guidance deta hai. T&C applicable.
Policy kharidne aur claim dono ke liye documents chahiye hote hain. Pehle se tayyar rehna process smooth banata hai aur delays avoid hote hain.
Aadhaar Card (identity + address), PAN Card (mandatory), passport size photograph, income proof (ITR ya salary slip — high value policies), medical records (agar pre-existing conditions hain). eKYC ke through Aadhaar OTP se instant verification possible hai — physical documents ki zarurat nahi most cases mein.
Original discharge summary, all bills aur prescriptions (original), claim form (insurer website pe), TPA card ya policy number, lab reports, doctor consultation receipts. Pre aur post hospitalization bills (30-60 days ka). Discharge ke time se organize karo — baad mein collect karna mushkil hota hai.
Death certificate (municipality se original), policy bond (original document), nominee ka ID proof plus bank account details, claim form, hospital records (illness related death), FIR copy (accident death), post-mortem report (sudden death). ProWiderKart claim process guidance deta hai — free advisory. T&C applicable.
Q: Claim mein original documents chahiye ya photocopy chalti hai?
A: Most insurers original bills accept karte hain. Certified copies bhi chalti hain kuch cases mein. Original aur self-attested copies dono ready rakho.
Q: Documents email se submit kar sakte hain?
A: Haan — zyada tar insurers email ya online portal submission accept karte hain. Physical submission ka option bhi available hai. TPA ke instructions follow karo.
Q: Documents missing hain — claim reject hogi kya?
A: Not necessarily — insurer additional time de sakta hai documents submit karne ke liye. Incomplete documents ke saath claim lodge karo, missing items add karte raho.
Q: Policy document kho gayi — kya karein?
A: Insurer se duplicate policy request karo — nominal fee. Digital copy email pe bhi available hoti hai usually. Policy number se claim process ho sakta hai.
ProWiderKart ek financial facilitation platform hai jo individuals aur businesses ko RBI/IRDAI-regulated financial institutions se connect karta hai — bilkul free mein. Hum direct lender, insurer ya payment processor nahi hain — hum ek trusted intermediary hain jo aapko sahi direction mein guide karte hain.
Step 1 — WhatsApp Karo: +91-98332-16954 pe message karo ya prowiderkart.com pe visit karo. Apni requirement batao — kya chahiye, budget kya hai, city kahan hai.
Step 2 — Free Consultation: Expert se discuss karo — eligibility, options, best route. Koi pressure nahi, koi fee nahi. 100% free advisory.
Step 3 — Documents aur Application: Minimal documents WhatsApp ya email pe. ProWiderKart aapko guide karta hai — kya submit karna hai, kaise submit karna hai.
Step 4 — Institution Connect: RBI/IRDAI-regulated institution process aage le jaata hai. Final approval, terms, aur delivery unki discretion par hai. T&C applicable.
50+ RBI-regulated lenders, IRDAI-regulated insurers, aur payment gateway providers ka network. Tier 2 aur Tier 3 cities mein bhi seamless service — no physical office required. Hinglish mein guidance — easy to understand. Pan-India coverage. Advisory fee: Zero. Always. T&C applicable.
Ek family ne health claim file ki par discharge summary aur original bills properly sambhal ke nahi rakhe the. Hospital se dobara documents lene mein 3 hafte lag gaye aur claim delay ho gaya. Agar unhone admission ke time se hi har document (bills, prescriptions, reports, discharge summary) ek file mein rakhe hote, to claim 7-10 din mein settle ho jaati. Lesson: claim ka 50% kaam to documentation hai — ise treatment ke saath-saath organize karte raho, baad ke liye mat chhodo.
Cashless claim mein: policy card/number, ID proof, aur hospital ka pre-authorization form chahiye — hospital seedha insurer se settle karta hai. Reimbursement claim mein zyada documents chahiye: original bills, discharge summary, saari prescriptions, diagnostic reports, payment receipts, aur claim form. Death claim mein: death certificate, policy document, nominee ID, aur claim form. Galti — original documents kahin aur submit kar dena bina copy rakhe. Hamesha har document ki ek photocopy/scan apne paas rakho. Doosri galti — claim intimation mein deri; bimari ya incident ke turant baad (usually 24-48 ghante) insurer ko inform karna zaroori hai, warna claim weak ho jaati hai.
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| Type | Coverage | Best For |
|---|---|---|
| Health Insurance | Hospitalisation | Individuals, Family |
| Term Life | Death benefit | Earning members |
| Motor | Vehicle damage | Car/Bike owners |