📋 Health Insurance Proposal Form – Must-Check Before Payment
Smart decision: Buying health insurance is wise — but ignoring your proposal form can cost you. Check these items before paying to avoid future claim headaches.
✅ Your Checklist Before Payment
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Personal Info: Double-check name, DOB, phone, and address. Even typos can delay claims.
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Family Details: Verify names, ages, gender, and relationships of added members.
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Medical History: Don’t hide illnesses, surgeries, or medication. Disclose honestly.
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Sum Insured & Add-ons: Confirm coverage value (₹5L/₹10L/₹20L) and selected riders like room rent or critical illness.
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Nominee Info: Name, age, and relationship must be correct for rightful claim settlement.
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Policy Term: Usually 1 year. Ensure you’re not locked into a longer plan accidentally.
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Premium: Verify premium + GST matches what was quoted. Watch for auto-add discounts or changes.
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Declaration: Agree only if all info is true and terms are understood. This matters legally.
⚠️ Found a Mistake?
Don’t proceed with payment. Contact support or your agent to get it corrected. Post-payment changes are difficult and may require underwriting again.
🧠 Final Advice
Taking just 5 minutes to review your proposal can save you months of trouble during claims. Don’t skip this step — your peace of mind and money are worth it.
