Raheja QBE Health Insurance Top-up & Super Top-up Plans

A super top-up policy is used when multiple health insurance claims together cross the threshold limit. The policy works on the principle of deductible, that is a fixed amount that the insured pays out of his/her own pocket before the insurance company pays the balance amount in case of a claim. A super top-up policy is most beneficial for people suffering from any affliction that may require multiple hospitalisations within a policy period. One can also enjoy tax benefits on the premium paid for super top-up plans, under Section 80D of the Income Tax Act, 1961.

Health QuBE Super Top-Up Policy

Health QuBE Super Top-Up Policy by Raheja QBE provides the insured additional coverage in their existing health insurance policy to enhance the cover for up to Rs. 1 crore. The policy can be purchased by individuals for themselves as well as their family members at affordable premiums. If purchased on an individual basis, the sum insured shall be applied to each and every member, whereas if purchased on a floater basis, the sum insured shall be applied to the entire family (for up to 7 members).

Key Benefits of Health QuBE Super Top-Up Policy

Health QuBE Super Top-Up Policy offers the policyholder a wide range of sum insured options between Rs. 2 lakh and Rs. 1 crore and can be purchased for 1 year, 2 years, and 3 years. Other benefits that the policy offers the insured are as follows:

• Smooth claim settlement process
• Higher sum insured with affordable premium
• Comprehensive coverage
• Cover for dependent children aged between 3 months and 25 years
• Tax benefits under Section 80D of the Income Tax Act, 1961

Who Can Buy This Plan?

People aged between 18 years and 65 years can buy Health QuBE Super Top-Up Policy.

Waiting Period Under the Plan

Health QuBE Super Top-Up Policy comes with an initial waiting period of 30 days.

Renewability of the Plan

Health QuBE Super Top-Up Policy offers lifetime renewability benefit to the policyholders.

Exclusions Under the Plan

Health QuBE Super Top-Up Policy does not cover the insured for the following expenses:

• Self-inflicted injuries
• Cosmetic or plastic surgery
• Change of gender treatments
• Any kind of psychological counseling
• Treatment of obesity or cosmetic surgery