What medical evidence is required for a trauma insurance claim?

Trauma insurance claims require comprehensive medical evidence to prove your condition meets the specific policy definition. The key documentation includes: formal diagnostic reports from specialists confirming your diagnosis (such as oncology reports for cancer, cardiology reports for heart conditions, or neurology reports for stroke), pathology test results showing abnormal findings (blood tests, biopsies, enzyme levels), radiological imaging such as X-rays, CT scans, MRIs, or PET scans demonstrating the extent of disease or injury, operative reports if surgery was performed, hospital admission records and discharge summaries, clinical notes from your treating doctors detailing symptoms, examination findings, and treatment plans, and specialist opinions regarding prognosis and permanent impairment. For specific conditions, you may need additional evidence - for example, heart attack claims typically require ECG results showing characteristic changes and elevated cardiac enzyme levels, cancer claims need histopathology reports confirming malignancy and staging, and stroke claims require neurological assessments documenting permanent functional impairment. Your doctors must confirm that your condition meets the severity threshold defined in your policy. The insurer may also request independent medical examinations or reviews. Providing complete, detailed medical evidence upfront can significantly speed up the claims process and increase the likelihood of approval.