Insurance Documents List – Complete Guide (2026)
Insurance lena sirf policy buy karna hi nahi hota, balkay sahi documents ka hona aur unka record maintain karna bhi bohat zaroori hota hai. Chahe aap health insurance le rahe hon, life insurance, car insurance ya travel insurance — documents ke baghair policy issue bhi nahi hoti aur claim bhi reject ho sakta hai.
Is complete guide mein hum detail se explain karenge:
- Insurance documents kya hote hain
- Policy buy karte waqt kaunse documents chahiye
- Claim ke waqt kaunse documents required hote hain
- Different insurance types ke liye documents list
- Common mistakes & FAQs
Insurance Documents Kya Hote Hain?
Insurance documents wo legal aur official papers hote hain jo:
- Aapki identity prove karte hain
- Policy ki terms & conditions batate hain
- Coverage aur premium details show karte hain
- Claim process ke waqt proof ke taur par use hote hain
Simple words mein, insurance documents aap aur insurance company ke darmiyan agreement ka written proof hote hain.
Insurance Documents Kyun Zaroori Hote Hain?
Insurance documents bohat important hote hain kyun ke:
- Policy issue karne ke liye mandatory hote hain
- Claim ke waqt proof ke taur par use hote hain
- Fraud aur fake claims se bachate hain
- Legal protection dete hain
- Future disputes ko avoid karte hain
👉 Bina documents ke insurance claim almost impossible hota hai.
Basic Insurance Documents List (Sab Policies ke Liye)
Neeche wo common documents hain jo almost har type ki insurance policy ke liye required hote hain:
1️⃣ Identity Proof
- CNIC (Front & Back Copy)
- Passport (International travel ke liye)
2️⃣ Address Proof
- Utility Bill (Electricity / Gas / Water)
- Bank Statement
- Rental Agreement (agar rented house ho)
3️⃣ Age Proof
- CNIC
- Birth Certificate
- Passport
4️⃣ Photographs
- Passport size recent photos
5️⃣ Proposal Form
- Insurance company ka filled & signed form
6️⃣ Payment Proof
- Premium payment receipt
- Bank slip / online transaction proof
Insurance Policy Document Kya Hota Hai?
Insurance policy document sab se important document hota hai. Isme ye cheezen hoti hain:
- Policy number
- Policy holder ka name
- Coverage details
- Sum insured
- Premium amount
- Policy duration
- Exclusions
- Claim rules
👉 Policy document ko hamesha safe jagah par rakhna chahiye.
Health Insurance Documents List
Policy Buy Karte Waqt
- CNIC copy
- Medical history declaration
- Family details (family floater plan ke liye)
- Medical test reports (agar required hon)
Claim ke Waqt
- Claim form
- Hospital bills
- Doctor prescription
- Medical reports
- Discharge summary
- CNIC copy
- Policy copy
Life Insurance Documents List
Policy Issue ke Liye
- CNIC
- Income proof (salary slip / bank statement)
- Nominee details
- Medical reports (age & policy amount par depend karta hai)
Claim ke Waqt
- Death certificate
- Policy document
- Claim application
- Nominee CNIC
- Bank account details
Term Insurance Documents List
Term insurance ke documents life insurance jaise hi hote hain:
- CNIC
- Proposal form
- Income proof
- Medical examination report
- Nominee information
Claim ke waqt:
- Death certificate
- Claim form
- Policy document
Car Insurance Documents List
New Car Insurance
- CNIC
- Car registration book
- Invoice (new car ke liye)
- Engine & chassis number
Claim ke Waqt
- FIR copy (accident ya theft case)
- Driving license
- Claim form
- Repair estimate
- Photos of damaged car
Bike / Two-Wheeler Insurance Documents
- CNIC
- Bike registration card
- Driving license
- Policy copy
Claim ke waqt:
- FIR (agar required ho)
- Repair bills
- Damage photos
Travel Insurance Documents List
Policy Buy Karte Waqt
- Passport copy
- Visa copy
- Travel dates
- CNIC
Claim ke Waqt
- Boarding pass
- Medical bills (agar medical claim ho)
- Flight delay certificate
- Police report (lost luggage ke liye)
Home Insurance Documents List
- CNIC
- Property ownership documents
- Utility bills
- Property valuation report
Claim ke waqt:
- Damage photos
- Repair bills
- FIR (theft / fire case)
Business Insurance Documents List
- CNIC of owner
- Business registration certificate
- NTN certificate
- Bank statements
- Property documents (shop / office)
Claim ke waqt:
- Loss assessment report
- Bills & invoices
- Police report
Insurance Claim Documents – Complete Checklist
Claim ke waqt aam tor par ye documents required hote hain:
- Claim form
- Policy document
- CNIC copy
- Incident proof
- Bills & receipts
- Bank account details
👉 Incomplete documents ki wajah se claims reject ho jate hain.
Insurance Documents Online Kaise Store Karein?
Aaj ke digital zamane mein documents ko online store karna best option hai:
- Google Drive
- Email backup
- Cloud storage
- Insurance company app
👉 Har document ka PDF scan zaroor banayein.
Common Mistakes Related to Insurance Documents
- Documents incomplete submit karna
- Wrong information dena
- Policy document read na karna
- Nominee details update na karna
- Expired CNIC submit karna
Insurance Documents FAQs
Q1: Insurance documents kitne time tak rakhne chahiye?
Policy expire hone ke baad bhi kam az kam 5 saal tak documents rakhne chahiye.
Q2: Lost insurance documents ka kya solution hai?
Insurance company se duplicate policy document request ki ja sakti hai.
Q3: Online insurance documents valid hote hain?
Haan, digital policy documents fully valid hote hain.
Q4: Nominee documents kyun zaroori hain?
Claim settlement ke liye nominee verification bohat important hoti hai.
Q5: Kya bina documents claim mil sakta hai?
Nahi, bina documents claim approve nahi hota.
Conclusion
Insurance documents ek strong insurance system ki backbone hote hain.
Chahe aap koi bhi insurance policy lein, documents ko complete, accurate aur updated rakhna bohat zaroori hai.
Agar aap sahi documents ke sath insurance buy aur claim karte hain, to:
- Claim rejection ka risk kam hota hai
- Process fast hota hai
- Aap financially secure rehte hain