What is generally required for a valid claim under a health insurance policy?

A completed claim form is essential for a valid claim under a health insurance policy because it serves as the formal request to the insurer for payment or reimbursement of medical expenses. This form typically requires detailed information about the insured, the healthcare provider, the nature of the medical services received, and any other relevant specifics necessary to evaluate the claim. Filling out this form correctly is crucial, as it provides the insurance company with the information it needs to process the claim efficiently.

The other options, while important in different contexts, are not universally required for a valid claim under a health insurance policy. Proof of income may be relevant for determining eligibility for certain types of coverage or government programs but is not typically a requirement for submitting a claim. A medical history report, while useful for understanding an insured person's health background, usually isn't mandated for every claim submission. A referral from a primary doctor is often necessary for specific plans, particularly regarding specialist visits, but it does not apply to all health insurance claims. Thus, while these documents may support the claims process in certain scenarios, they are not the general requirement like a completed claim form.