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Raheja QBE Health QuBE Health Insurance

180 reviews Rate This
Raheja QBE Health Insurance
Health QuBE
Claim Complaints Ratio80%
Claim SettlementDedicated Team
COVID-19 CoverYes
Network Hospitals5,000+
Policies Sold135
Renewability Lifelong Renewability

About Raheja QBE Health QuBE Health Insurance

Raheja QBE has brought you a policy named Health QuBE that would cover you and your near ones’ medical insurance requirements at an affordable cost. The plan makes sure that you are not out of pocket when paying your unforeseen medical expenses. You can purchase this plan on an individual as well as on a floater basis if you are aged between 90 days and 65 years. The children between the age of 90 days to 5 years can be covered only if either of his/her parent or a legal guardian is insured under the same plan. There is also option for two-year policy available to simplify the health insurance renewal process.

The plan comes in four variants, namely-Basic Plan, Comprehensive Plan, Super Saver Plan, and A la carte Plan. Some common benefits offered by the variants are-health check-up, recharge benefit, domiciliary hospitalisation, No Claim Bonus, free look period, and many others. Apart from these, you can also avail some extra benefits by paying a little extra premium amount, such as-sub limit waiver. You can also opt for a discount on premium by adding the co-payment feature in this plan.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses
  • Pre and post-hospitalisation cover
  • Ambulance cover up to a certain limit
  • Organ donor expenses in case of organ transplant
  • Daily allowance for up to 6 days of continuous hospitalisation per claim

What's Not Included

  • Any OPD treatment
  • Non-allopathic treatment
  • Treatment taken outside India
  • Treatment related to fertility, birth control procedures, etc
  • Treatment from a non-medical practitioner

6307 Raheja QBE Cashless Network Hospitals in India

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Health QuBE User Reviews

4.4
Rating based on
180 User reviews
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What users are saying
  • All
  • Superb policy by Raheja

    I was looking for a health insurer  with a good claim settlement ratio. Thankfully i found Raheja QBE.  Health QuBE plan by Raheja is quite comprehensive and has an easy renewal process. Also, the claim settlement process is simple. I really like this plan. 

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    R
    By Raju
    On: Oct 29, 2020
  • Affordable, reliable cover

    Health QuBE by Raheja is the best plan for me. I have recently bought this policy at low premium rates. Let me tell you that it is great in terms of coverage benefits. Overall, with this policy by side, one can forget about worries related to financial stability. 

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    D
    By Deepak Singhal
    On: Feb 04, 2020
  • Referred by a friend

    I am new to raheja insurer but my friend recommended this plan to me so i went ahead to buy it. I am satisfied with the services offered by both, raheja insurer and insurancedekho team. I say you must go with this plan because it will cover you for a lot of expenses at low premium. 

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    G
    By Girdhari
    On: Jan 29, 2020
  • Health QuBE is a good plan

    First, thanks to very supportive team of insurancedekho for helping me buy this plan. I am happy that i am finally secure against medical expenses. In my opinion, this plan is perfect for those looking for a high coverage, low premium plan. I am rating this plan as 8 out of 10.

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    A
    By Anant Kushwaha
    On: Jan 27, 2020
  • Easy, affordable purchase

    I had another plan to buy in my mind when i came to know about this one from insurancedekho. Must tell you that the team prevented me from making a wrong decision by opting for my initial choice. This plan is ideal for me in every manner, be it cover, premium, or anything else.

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    D
    By Dharampal
    On: Jan 24, 2020
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Add-ons to Enhance Benefits

  • Sub-limit Waiver

    Sub-limit waiver lets you waive the sub-limits related to several coverage features including room rent, medical practitioner’s fee, ICU charges, and sub-limits pertaining to some specific diseases. You can buy this add-on at some additional premium.

  • Co-pay

    With an option to choose co-pay add-on under this plan, you can enjoy a discount of 20% on premium. 

Raheja QBE Health QuBE Expert Review

  • Expert Review

    Most people succumb to financial pressure on encountering a medical emergency. Raheja QBE General Insurance’s Health QuBE policy is a great option for those who don’t want to end up burning a hole in their pocket while dealing with medical costs. If you too have been looking for a policy that provides you extensive health insurance coverage at an affordable premium, you can consider Health QuBE policy as it would turn out to be an absolute fit according to your varied medical needs.

    Talking about the eligibility age of Health QuBE, learn that people belonging to the age range of 18 years to 65 years can get themselves covered under the policy without any hassle. Children from 90 days up to 5 years can also be insured provided that their parent/legal guardian is also covered. While the policy period for Health QuBE is 1 year or 2 years, the policy type available is individual as well as floater basis. Available in the form of 4 variants, namely Basic, Comprehensive, Super Saver, and A la Carte, the policy covers a sum insured range that starts from Rs. 1 Lakh and goes up to Rs. 50 Lakh.

  • Major Attractions

    Health QuBE by Raheja QBE General Insurance is specifically designed to provide superior protection from financial distress. The policy, under its four variants, offers supreme coverage for expenses related to inpatient hospitalisation, pre-hospitalisation, post hospitalisation, domiciliary hospitalisation, organ donor benefit, and various others. The vast list of prime elements covered includes - 

    • Ambulance charges - Up to a maximum of Rs. 2,500 based upon SI and plan opted for
    • Daily cash allowance - Hospital daily cash benefit of up to maximum of 6 days
    • Health checkup - Free health checkup based upon the SI chosen, irrespective of the claims 
    • Recharge/Replenish Benefit - Replenishment of the basic sum insured in case the basic sum insured has been exhausted during the policy year
    • Non-medical expenses - Reimbursement of non-medical expenses up to the limit specified if cashless facility is chosen
    • Sum insured increase - In case of cashless claim, the limit is reduced only by 90% 
    • Optional Add-on of sublimit wavier (on payment of additional premium)
    • Optional Add-on of co pay - On opting for co-pay of 20%, premium discount is provided

  • What’s More?

    An apt choice for people with diverse medical needs, Health QuBE is a combination of various benefits that make the policy worthwhile. However, there are also elements that one cannot ignore while exploring the details. Note that the policy has also to offer -

    • Lifelong renewability 
    • Grace period of 30 days
    • 15 days free look period for policy cancellation
    • 5% cumulative bonus for every claim free renewal, maximum accumulation up to 50%
    • Tax benefits under Section 80D of the Income Tax Act

  • Conclusion

    To conclude, when you invest in Health QuBE, you invest not only in your health, but also get peace of mind. All in all, it is a policy worth choosing if you don’t want to end up losing your savings while trying to receive quality medical treatment.

    Online purchase of the policy is recommended to allow quick issuance. Moreover, it would be great if you choose InsuranceDekho as the online purchase platform, as it will help you benefit policy portability, policy transparency, claim settlement support, and other added support.

Raheja QBE Health QuBE Brochure

  • 874.81 KB
  • PDF Document
  • Jul 16, 2019
Download PDF

Claim Process at Raheja QBE Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Health QuBE Health Insurance Plan

  • People of what age group can be covered under this policy?

    The policy covers all the people aged between 90 days and 65 years. 

  • Till what age can I renew my policy?

    This policy offers lifetime renewal to the policyholders.

  • What is the term of this policy?

    This policy can be issued for 1 or 2 years. The policyholders can avail the benefits of a policy on a yearly basis. 

  • What are the sum insured options available under this policy?

    The policy is available with the sum insured options ranging from Rs. 1 Lakh to Rs. 50 Lakh.  

  • Can I purchase this policy on an individual basis?

    Yes. The policy is available on both individual as well as family floater basis. 

  • Who all can be covered under this plan on a family floater or an individual basis?

    You can cover a maximum of 2 adults and 2 children on a family floater basis under this plan. Whereas on an individual basis, only one person can be covered. 

  • How is the premium calculated on a family floater basis under this plan?

    The premium for a family under this plan is calculated considering the age of the eldest member of the family. 

  • What is the Basic Plan variant offered under this policy?

    The Basic Plan has in-built health insurance benefits. However, this variant does not contain an option to include any add-on covers. 

  • What is the Comprehensive Plan variant offered under this policy?

    The Comprehensive Plan has in-built health insurance benefits and also contains add-on covers.

  • What is the Super Saver Plan variant offered under this policy?

    The Super Saver Plan variant comes with in-built health insurance benefits and also offers add-on covers for co-pay.

  • What is the A la carte variant offered under this policy?

    A la carte variant contains in-built health insurance benefits and also lets the policyholders select from the add-on covers available on the basis of their requirements.

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