Raheja QBE Health Insurance

Raheja QBE General Insurance is a joint venture between the Rajan Raheja Group and QBE Insurance, Australia’s second-largest global insurer. Established in 2008, the company is operating with an aim to create the most conducive environment for its customers as well as partners in the insurance sector. Raheja QBE General Insurance offers a flexible range of insurance policies in various domains like health, home, motor, and marine. The company got A+ rating in Standard and Poor’s Insurance Financial Strength Rating that makes it one of the most reliable insurance companies in the market.

Raheja QBE General Insurance is dedicated towards the well-being of its customers and offers them customised health insurance plans with wide coverage. The company offers several benefits to the customers such as complete transparency, customer-oriented approach, hassle-free processes, and a wide network of cashless hospitals which make it a preferred choice among insurance buyers. It offers a variety of health insurance plans for you and your family to keep you secure even at the time of a health emergency.

Raheja QBE offers a wide range of best health insurance plans that offer you numerous benefits. Listed below are the top 4 health insurance plans that are best suited for you:

1. Raheja QBE Health QuBe Policy: Raheja QBE Health QuBe Policy offers financial security to you if you are aged between 91 days and 65 years. The policy is available with different variants named Basic, Comprehensive, Super Saver, and Ala Carte with sum insured options ranging between Rs. 3 lakh and Rs. 50 lakh. You get many benefits under this policy such as cover for pre-hospitalisation expenses, post-hospitalisation expenses, ambulance expenses, in-patient hospitalisation expenses, organ donor expenses, medical check-up, domiciliary hospitalisation expenses, and provides No Claim Bonus as well for every claim-free year. You can add up to 6 family members under this policy.

2. Raheja QBE Health QuBe Super Top-Up Policy: Raheja QBE Health QuBe Super Top-Up Policy helps you boost your existing health insurance cover. Available with sum insured options up to as high as Rs. 1 crore, the policy can be purchased on individual as well as floater basis. You can add yourself, legally wedded spouse, up to 3 dependent children, and 2 dependent parents under this policy. The policy gives you freedom to select appropriate deductibles as per your requirement. Another highlight of the plan is that no medical check-up is required if you are aged up to 55 years.

3. Raheja QBE Cancer Insurance Policy: Raheja QBE Cancer Insurance Policy protects you against expenses incurred on treatment for all stages of Cancer. It is a comprehensive policy that comes with sum insured options ranging between Rs. 1 lakh and Rs. 10 lakh and covers you if you are aged between 1 day and 70 years. The policy is available for a period of 1 year and needs to be subsequently renewed thereof. If your claim gets accepted under this policy, then you will get 50% of the sum insured amount or Rs. 2,50,000 which is less, as a lump sum amount.

4. Raheja QBE Arogya Sanjeevani Policy: Raheja QBE Arogya Sanjeevani Policy is an affordable health insurance plan that covers you and your family against basic healthcare expenses incurred due to hospitalisation of at least 24 hours. Available with sum insured options ranging between Rs. 1 lakh and Rs. 5 lakh, the policy covers you against many healthcare expenses such as in-patient hospitalisation expenses, daycare treatments, pre-hospitalisation and post-hospitalisation expenses, AYUSH treatment, etc., thereby offering you peace of mind even during hard times. You can pay for this plan on monthly, quarterly, half-yearly, and yearly installments.

Health insurance premiums that you pay for Raheja QBE Health Insurance plans are subject to tax benefits under Section 80D of the Income Tax Act, 1961. If you are a senior citizen, then you are offered higher deductions for premiums, thereby reducing your income tax liability to a greater extent than others. To understand the structure of income tax deductions more clearly, refer to the table given below:

The following benefits are offered under Raheja QBE Health Insurance plans:

• Lifelong Renewability: Raheja QBE Health Insurance plans offer you lifetime renewability benefits which means you can renew your plans throughout a lifetime without any age restrictions.
• Wide Range Of Sum Insured Offered: Raheja QBE Health insurance plans come with a wide range of sum insured options that start from as low as Rs. 1 lakh and go up to as high as Rs. 1 crore. You can choose the sum insured options on the basis of your requirements.
• Portability Benefit: Raheja QBE General Insurance offers you the flexibility to switch to Raheja QBE Health Insurance plan if you are not satisfied with your existing health insurance plan. You can avail portability benefit without losing the accumulated benefits under your existing health insurance policy.

Raheja QBE Health Insurance plans come with the following inclusions:

• In-Patient Hospitalisation Expenses: Raheja QBE Health Insurance plans cover the insured against in-patient hospitalisation expenses incurred during hospitalisation of minimum 24 hours. These expenses include nursing, boarding, room rent, blood, oxygen, ICU/ICCU, doctor’s fee, and the cost of medicines.
• Pre-Hospitalisation And Post-Hospitalisation Expenses: Raheja QBE Health Insurance plans cover the policyholder against 60 days pre-hospitalisation expenses and 90 days post-hospitalisation expenses. These include doctor’s consultation, cost of medicines, and medical tests before and after hospitalisation.
• Domiciliary Hospitalisation Expenses: Domiciliary treatment is a medical treatment that is taken at home for any illness, disease, or injury that otherwise would require hospitalisation. Raheja QBE Health Insurance covers the policyholder against expenses related to domiciliary treatment.
• Organ Donor Expenses: Raheja QBE Health Insurance plans cover the organ donor against the expenses (up to a specific limit) for harvesting an organ for the insured person’s use if he/she has been advised an organ transplant by the doctor.
• Road Ambulance Expenses: Raheja QBE Health Insurance plans provide cover for expenses incurred on road ambulance used to transfer the policyholder to hospital or inter-hospital shifts in case of an emergency.

What All Is Not Covered Under Raheja QBE Health Insurance Plans?

Raheja QBE Health Insurance plans do not cover you against the following healthcare expenses:

• Expenses On Treatment Done For Investigation And Evaluation: Raheja QBE Health Insurance plans do not cover the policyholder against any treatment that is done solely for the purpose of investigation or evaluation. Also, the plans do not cover you against any diagnostic expenses which are not related to the current diagnosis or treatment.
• Expenses Related To Obesity Or Weight Control Procedures: Raheja QBE Health Insurance plans do not cover the insured against expenses related to surgical treatment of obesity unless it does not fulfil some specific conditions.
• Expenses Incurred On Cosmetic Or Plastic Surgery: Raheja QBE Health Insurance plans do not provide cover against cosmetic or plastic surgery or any treatment related to change of appearance unless necessitated due to an accident, cancer, or burn.
• Injury Due To Participation In Adventure Sports: Raheja QBE Health Insurance plans do not provide cover against any expenses incurred in the treatment required due to participation in any adventure sport or activity such as paragliding, rock climbing, etc.
• Sterility And Infertility: Raheja QBE Health Insurance plans do not offer cover against expenses related to sterility and infertility. These include any type of sterilization, assisted reproduction services such as artificial insemination, advanced reproductive technologies like ZIFT, ICSI, IVF, reversal of sterilization, and gestational surrogacy.

Note that the inclusions and exclusions vary with different Raheja QBE Health Insurance plans.

Raheja QBE health Insurance plans come with the following terms:

Note that the terms vary with different Raheja QBE health insurance plans.

You can buy Raheja QBE Health Insurance policy at InsuranceDekho in two ways namely online and offline.

Buy Raheja QBE Health Insurance Plan Online at InsuranceDekho
Follow the steps given below to buy Raheja QBE health insurance plan online at InsuranceDekho:

Step 1: Visit insurancedekho.com. Click on the ‘Health’ tab.
Step 2: Select your gender and fill your personal details like Name and Mobile number. You will receive a One Time Password (OTP) on the entered mobile number. You are requested to enter that.
Step 3: Answer the question for us ‘When do you want to buy the policy’ by selecting an option from the drop-down menu. Click on the ‘View Quotes’ button.
Step 4: Select the family members you want to include in your policy coverage. Click ‘Continue’.
Step 5: Select the age of the family members you had selected previously.
Step 6: Enter your Email ID and City. Click on ‘Submit and View Quotes’. Most suitable health insurance plans will be displayed on your screen. Select the one you want to buy.
Step 7: Select the policy term you want to purchase the policy for. Enter the required details and pay online via secured payment gateway.

Buy Raheja QBE Health Insurance Plan Offline at InsuranceDekho

To purchase Raheja QBE Health Insurance plans offline at InsuranceDekho, call us any day (we are available 7 days!) between 9:30 AM to 6:30 PM and share your requirements with the customer care experts. Our toll-free number is 7551-196-989.

Alternatively, you may write to us at customersupport@insurancedekho.com in case you require any insurance related assistance.

It is very important to renew your Raheja QBE Health Insurance policy to be able to avail benefits under it. You are required to renew your policy towards the end of your policy term. For instance, 1 year, 2 years, or 3 years. Online health insurance renewal is a simple and quick process that takes a few minutes. To renew your Raheja QBE Health Insurance policy online, follow the steps given below:

Step 1: Visit the official website of Raheja QBE General Insurance and search for ‘Health Insurance Renewal’ page.
Step 2: Enter your policy number and submit the information.
Step 3: Select your renewal quote.
Step 4: Pay the premium online in one of the modes offered by the insurer.