Can I use a digital copy of my PAN card for the video call?

No, you must show the original physical PAN card. Digital copies or photos on other devices are usually not accepted for identity verification.

What happens if my internet disconnects during the call?

If the call drops, try to reconnect immediately. Frequent disconnections might lead the insurer to flag the session and reschedule or reject the application.

Do I need to disclose social drinking or occasional smoking?

Yes, always disclose these habits. Even occasional use can impact underwriting. Hiding this can lead to total claim rejection in the future.

Can my spouse help me answer questions during the call?

No, you must answer alone. If the doctor hears someone else prompting you, they will likely cancel the call due to third-party interference.

Is it okay if I don't remember the exact date of a surgery?

Try to be as accurate as possible. Mention the year and the reason for surgery. It is better to give an estimate than to skip it entirely.

How long does the video medical call usually take?

Most calls are completed within 15 to 20 minutes, depending on your medical history and the clarity of your answers.

Video Medical Checklist: How to Prepare for the 2026 Call

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The Video Medical Checklist: How to Prepare for the 2026 Call

Don't let a blurry camera or a missed document lead to a rejected insurance application.

4 min read

OneAssure Team

April 13, 2026

Need advice tailored to you?

Looking for the right plan? You don't have to guess. Let us compare the fine print for you and give you an unbiased recommendation.

Need advice tailored to you?

Looking for the right plan? You don't have to guess. Let us compare the fine print for you and give you an unbiased recommendation.

The High Stakes of the 2026 Video Medical Call

You are sitting in your balcony with a cup of tea. Your phone buzzes. It is the doctor from the insurance company for your video medical call. You think it is just a formality. You are wrong. In 2026, this call is the final hurdle before your policy is issued. With the recent removal of GST on individual health and life insurance, thousands of Indians are rushing to secure their future. Insurers are now using advanced AI and strict verification protocols to filter out suspicious applications. A small slip here can lead to an immediate rejection or a permanent flag on your profile. Imagine losing out on a tax-free premium just because your internet was patchy or you forgot your original PAN card.

Technical Hygiene: Fixing Your Virtual Presence

Your phone is your gateway. Treat it like a professional tool. Clean your camera lens with a soft cloth before the call starts. A blurry feed makes it hard for the insurer to verify your identity. Use a stable phone stand. Holding the phone in your hand causes shakes. Shaky video can be flagged by AI as a sign of nervousness or deception. Check your battery. These calls usually take fifteen to twenty minutes. A dying battery in the middle of a medical history discussion is a red flag. Switch to a stable Wi-Fi connection. If you are using mobile data, ensure you have a full 5G signal. If the call drops multiple times, the insurer might mark your application as suspicious.

Lighting and Audio Matter

Position yourself in a well-lit spot. Your face should be clearly visible without shadows. Sit in a quiet room. If the doctor hears someone prompting you from the background, the call will be terminated. This is a mandatory live identity check. The insurer needs to know that you are the one answering the questions. No one else should be in the frame or audible during the process.

The Identity and Physical Audit

Keep your original PAN and Aadhaar cards nearby. Digital copies on your laptop or photos on another phone will not work. The doctor will ask you to hold the original card next to your face for a screenshot. This is non-negotiable. If you cannot produce the physical card, the call ends right there. Look directly into the camera. This helps the AI verify your physical presence and match your face with your ID records.Verify your current height and weight before the call. Do not guess. Use a weighing scale and a measuring tape. If you report 75 kg but look 90 kg on camera, the doctor will flag the discrepancy. Accurate reporting is the foundation of a clean policy. Wear comfortable clothes. Sometimes, the doctor might ask you to show permanent marks or surgical scars to verify your medical history. This is a standard procedure to ensure the risk is assessed correctly.

Disclosing the Truth: Smoking, Drinking, and History

This is where most young Indians make mistakes. Be brutally honest about your lifestyle. Disclose your smoking and drinking frequency clearly. Do not say "occasionally" if you smoke three cigarettes a day. Non-disclosure is the number one reason for claim rejections in India. If the insurer finds out about a habit later, they can cancel your policy without a refund.Mention every surgery or hospitalization. Even if it was a minor appendix removal five years ago. Even if it was a sports injury in college. The insurer has access to digital health records via the Ayushman Bharat Health Account (ABHA). Trying to hide a past medical event is a losing game. Review your current medications. If the doctor asks what you take for your thyroid or blood pressure, you should be able to name the medicine and the dosage quickly. Having a list ready shows you are transparent and organized.

Family History and Recent Reports

Prepare a list of chronic family illnesses. Mention if your parents or siblings have diabetes, heart disease, or cancer. The doctor will ask. Also, keep any lab reports from the last six months handy. If you had a recent blood test or an MRI, mention it. Being proactive builds trust with the underwriter. At the end of the call, ask for a summary of your recorded answers. Ensure the doctor has noted everything correctly. This summary is your final confirmation before the file goes for approval.

Common Pitfalls and The Sign-off

The biggest mistake is treating this like a casual Zoom call with a friend. It is a legal deposition. Avoid using headphones if they muffle your voice. Speak clearly. If you do not understand a medical term, ask the doctor to explain it. Do not just say "yes" to everything. OneAssure experts often see applications getting stuck because of simple communication gaps during these video rounds. Stay calm. If you have nothing to hide, the process is smooth. Once the call ends, your work is done. You have secured a tax-free, life-long protection for your family. Just wait for the digital policy to hit your inbox.