Health Insurance Nominee

When you buy an insurance policy, the nominee plays an important role. In a health insurance plan, once a claim is made, the policyholder gets the claim amount. Unfortunately, if the policyholder dies during the hospitalisation, the claim is paid out to the nominee in the health insurance. Appointing a nominee in health insurance is not mandatory, but it is highly recommended. 

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The nominee can be a person/ person who is a friend or a family member, however, it is advised that a close family member is chosen. In case there is no nominee in health insurance, the claim will be paid out to the natural heir.

Benefits to the Nominee

Wondering what benefits the nominee in a health insurance policy stands to gain? Here’s a brief overview.

  • Financial Support for Your Family

In case of death, it is the family that suffers the most. If the demise leaves behind large medical bills, they may have to deal with the added financial burden. But by choosing a loved one as the nominee, you ensure that your family is not compelled to tackle financial difficulties.

  • Equally Shared Benefits

If you have multiple dependents or loved ones, instead of nominating just one person, you can have multiple nominees. During such cases, the claim benefit shall be equally distributed among them.

  • Avoid Legal Complications

In case you die without assigning a nominee, your health insurer will be compelled to identify the legal heir to transfer the claim benefit. As this could include multiple individuals, your family might have to go through court arbitration and other complications.

Who to Select as Nominees for Your Health Insurance Plan?

The concept of picking a nominee for your health insurance comes with a lot of restrictions. Here’s who you can select:


  • Spouse

  • Parents

  • Children

  • Friends

  • Distant relatives

You can also nominate a minor (someone below the age of 18). However, since a minor cannot manage the claim amount, you might also have to mention the details of their guardian. Moreover, if the nominee dies before you, the claim amount shall be transferred to your legal heirs.

How to Add a Nominee in a Health Insurance Policy?

Adding a nominee in a health insurance plan is very easy. In fact, you can do it at the time of purchase itself. All that you have to do is fill in the necessary details of the nominee in the relevant section of the health insurance application form and submit the same to the service provider.


However, since the assignment of a nominee is not mandatory, many individuals skip assigning one at the time of purchase. In that case, you don’t have to worry; you can still assign a health insurance nominee. To do so, you would have to obtain a nomination form from your insurance service provider, fill it up, and submit the same.

What is the Claim Process for Nominees?

Here’s the process for nominee health insurance claims:


  • Step 1: The nominee must inform the insurance company about your demise with a valid succession and death certificate. In case of accidental death, a copy of the FIR and postmortem report must also be furnished.

  • Step 2: The nominee then has to send any required documents like health records, relationship proof, and medical bills to the insurer within 30 days. They shall reach out to the nominee in case of any additional requirements.

  • Step 3: Once the documents are verified, your insurer will transfer the claim amount to the nominee’s bank account.


Now that you know the importance of assigning a nominee in health insurance, make sure that you do it as soon as possible, if you haven't already. This will make it easier for your loved ones to claim the benefits under the health insurance plan after your demise. So, head over to our ‘health insurance’ section and get yourself a comprehensive health cover now!

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FAQs on How to Select the Right Nominee for Your Health Insurance

  • ✔️Do I have to add a nominee for health insurance plans at the time of purchase itself?

    No. Although it is advisable to add a nominee at the time of purchase itself, you can choose to do it at a later point in time as well. 

  • ✔️Can I change the health insurance nominee at a later point in time?

    Yes. You can change the nominee at any point in time. 

  • ✔️Can I add an individual other than my family as a nominee in my health insurance policy?

    Yes. You are free to add any individuals as a nominee to your health insurance plan. However, adding a family member is usually advisable to prevent complications. 

  • ✔️What would happen if I don’t add a nominee in my health insurance policy?

    If you don’t assign a nominee for your health insurance plan, claiming the benefits of the plan would take longer and can be done only by your legal heirs after submitting all the necessary documents.

  • ✔️Can I add multiple nominees for my health insurance plan?

    Yes. You can add multiple nominees for your health insurance plan and specify the percentage of benefits that each nominee is entitled to.

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