Insurance KYC Checklist — Documents Required for Life, Health & Motor Insurance
Complete insurance KYC checklist for India. Know what documents are required for KYC verification when buying life insurance, health insurance, and motor insurance policies.
How to use Insurance KYC Checklist India — Documents Required for Life, Health & Motor | InsuredBoard
Gather identity proof
Collect Aadhaar card, PAN card, passport, or voter ID.
Gather address proof
Collect Aadhaar, passport, utility bill (not older than 3 months), or bank statement.
Gather age proof
Collect birth certificate, PAN card, passport, or Aadhaar.
Gather income proof (for high sum assured)
Provide ITR, salary slips, or Form 16 for sum assured above ₹5L.
Gather medical reports (if required)
For health insurance and high-value life policies, provide recent blood test, ECG, and X-ray reports.
Frequently Asked Questions
Is Aadhaar mandatory for KYC in insurance?
Yes. As per IRDAI regulations, Aadhaar is mandatory for KYC in insurance. Your Aadhaar number must be linked to your bank account and verified through Aadhaar-based OTP or biometric authentication.
Can I update my KYC details after buying insurance?
Yes. You can update your KYC details (address, phone number) at any time by contacting your insurer's customer service or through their online portal. Keep your records updated to avoid claim issues.
How long does KYC verification take?
For Aadhaar-based eKYC, verification is instant (within minutes). For offline KYC with physical documents, it typically takes 3-7 working days.