Raheja QBE General Insurance Company Limited

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Raheja QBE General Insurance Company is a joint-venture between Rajan Raheja Group and QBE Insurance with a shareholding of 74% and 26% respectively. The company has a strong foundation thanks to the immense knowledge and experience of Rajan Raheja group in Indian businesses and of QBE insurance in their global enterprise.

To cater to the customers' diverse insurance needs Raheja QBE General Insurance Company offers extremely practical and versatile solutions, let us take a look at the various kinds of insurance plans offered by the company:

  1. Raheja QBE Car Insurance
  2. Raheja QBE Two-wheeler Insurance 
  3. Raheja QBE Commercial Vehicle Insurance
  4. Raheja QBE Health Insurance
  5. Raheja QBE Commercial Property Insurance
  6. Raheja QBE Commercial Packages Insurance
  7. Raheja QBE Construction and Engineering Insurance
  8. Raheja QBE General Liability Insurance
  9. Raheja QBE Marine Insurance
  10. Raheja QBE Professional Liability Insurance
  11. Raheja QBE Professional Liability Insurance
  12. Raheja QBE Workers Compensation Insurance
  13. Raheja QBE Miscellaneous Insurance
     

Raheja QBE Car Insurance Plans

Raheja QBE Car Insurance offers affordable and exclusive car insurance plans. You can opt for the basic third-party, or a standalone own-damage or comprehensive insurance for an all-inclusive shield for your car. The customers have an array of choices to choose the add-ons they wish for. Let's take a look at the various aspects of Raheja QBE Car Insurance:

1. Third-party liability-Private Car Policy
This kind of insurance is mandated by the Motor Vehicle Act, 1988. The third-party liability policy protects you from any kind of third-party liabilities that may arise when some injury or damage is caused by your vehicle to a third-party. The policy would cover:

  • Bodily injuries or death of a person
  • Damages caused to a third party property

Some additional covers that may be opted for:

  • Additional legal liabilities for employees who travel in insured vehicles
  • Any legal liabilities that may arise due to the use of Bi-Fuel Kit
  • Co-Passengers up to INR 2 lakhs
  • Paid driver up to INR 2 lakhs

2. Private Car Package Policy
This is a comprehensive car insurance policy that financially secures your vehicle from damages due to accidents, thefts and natural calamities. The policy would also compensate for third-party injuries/death and damages that are caused to your car due to the following:

  • Natural/ man-made calamities
  • Fire
  • Self-ignition
  • Accidental damages
  • Damages when the vehicle is in transit
  • Explosion
  • Burglary/ theft of the car

3. Private Car Policy - Bundled
With this kind of car insurance policy, you can cover the damage to your car and also against legal liabilities. The period of insurance is 1-year Own Damage + 3 years Third Party Liability. This type of policy is applicable to new cars only.

4. Personal Accident Cover
Your car insurance policy has a personal accident cover for the licensed, owner-driver and co-passengers of the vehicle, up to INR 15 lakhs. 

 5. Standalone Own Damage Policy-Private Car
If you have a third-party cover for your car but want to cover own-damages too, this policy would be the right solution. The standalone own-damage policy will cover the damages to your vehicle along with third-party liabilities. 

 6. Add-On Options
By paying a little extra premium, you can increase the coverage for your car by many folds, let us look at the various add-on Car insurance covers that are available.

  • Zero Depreciation Car Insurance Cover
    You can claim the amount of depreciation that is deducted on the value of car parts that have been replaced.
  • No Claim Bonus Retention Cover
    You can safeguard your NCB even if you make a claim during the policy year.
  • Consumable Expenses
    You can buy a consumable cover to compensate for nuts, bolts, engine oil, lubricants etc.
  • Daily Conveyance Benefit
    If your car is under repair for over 3 days, you will receive benefits covering your expenses on the other modes of transport that you use.
  • Key Protect Cover
    The company will bear the replacement cost if the keys are stolen or lost or broken.
  • Return To Invoice
    In case of a total loss, or theft, with this add-on, the compensation will be the same as the amount you had to pay at the time of car purchase.
  • Tyre and Rim Protector
    If you need repair or replacement of accidental damage of tyres, tubes and rims only, without any accidental damage to the car.
  • Engine Protector
    This plan works for your engine, as it covers the expenses on the repair or replacement of the internal parts of the engine that were needed because of ingress of water in the engine.
  • Loss of Personal belongings
    If at the time of the accident there was loss or damage of belongings, it would be covered.

Raheja QBE Two-Wheeler Insurance Plans

When you buy a two-wheeler, it is mandated by the government to also buy an insurance cover. With Raheja QBE, you have the choice to select the one that suits you best.

  1. Third-party liability-Private Two-Wheeler Policy
    Under the Motor Vehicle Act, 1988 the third-party liability policy is compulsory for every motorised vehicle. This policy protects you from any kind of third-party liabilities that may arise when some injury or damage is caused by your vehicle to a third-party. The policy covers:
  • Physical injuries or death of a person
  • Damage or Loss caused to a third party property

The following are the additional covers that you can opt by paying an extra premium:

  • Additional legal liabilities for employees who travel in insured vehicles
  • Co-Passengers up to INR 1 lakh
  • Paid driver up to INR 1 lakh

         2.   Two-Wheeler Package Policy
If you wish to have a comprehensive insurance cover for your two-wheeler/ bike insurance policy you should opt for the Two-Wheeler Package Policy. With this policy you would be able to secure your vehicle from almost all kinds of damages. Along with the third-party liabilities, the following would also:

  • Man-made/ Natural disasters
  • Accidental damages
  • Damages when the vehicle is in transit
  • Self-ignition/Explosion
  • Burglary/ theft of the car

         3.   Standalone Own-Damage Two-Wheeler Insurance Policy
As we discussed above, a third party cover would only cover the damage that your vehicle caused to a third-party, however, if you have a third-party cover and want to cover your own damages too, you can purchase this standalone cover.
With this policy you will be able to get cover for the damages to your vehicle, and the third-party insurance will cover the third-party liabilities. 

        4.    Personal Accident Cover
You have the personal accident cover which is for the licensed, owner-driver of the vehicle, which can go up to INR 15 lakhs. 

Raheja QBE Health Insurance Plans 

An unpredictable medical emergency can make a big hole in your pocket. However, with Raheja QBE you can secure your and your family’s future and help them get the best treatment without worrying about the costs. 

Type of Insurance 

Main Features of the Insurance Plan

Raheja QBE Health QuBE

 

Comes in 4 variants:

  • Basic-Sum Insured - INR 1 lakh to INR 50 lakhs
  • Comprehensive-Sum Insured - INR 3 lakhs to INR 50 lakhs
  • Super Saver-Sum Insured - INR 1 lakh to INR 50 lakhs
  • A-la-carte-Sum Insured - INR 1 lakh to INR 50 lakhs
  • Entry Age
    • Children 90 days - 25 years
    • Adults 18 years to 65 years
  • Family floater cover available covering 6 members
  • Option to include add-ons
  • Pre and post hospitalisation of 30 days and 60 days respectively
  • Ambulance Charges and Medical checkup
  • Domiciliary hospitalisation and No claim bonus
Raheja QBE Health QuBE Super Top-Up
  • Enhance your existing cover up to INR 1 crore
  • One policy covers the whole family
  • Pre-policy check-up not required up to 55 years
  • Entry Age
    • Children 90 days - 25 years
    • Adults 18 years to 65 years
  • 10% NCB for every claim-free year
  • Lifelong renewability
Raheja QBE Cancer Insurance
  • Comprehensive cover for all stages of cancer
  • Entry Age - 1 day to 70 years
  • If you continue the policy without break, there would be no exit age
  • Sum Insured - INR 1 lakh to INR 10 lakhs
Raheja QBE Individual Personal Accident Insurance
  • Covers you against the financial repercussions of unpredictable accidents
  • Covers:
    • Accidental Death
    • Permanent Total/Permanent Partial/Temporary Disability
  • Loss of employment covered
Aarogya Sanjeevani 
  • Standard health insurance policy
  • Sum Insured from INR 1 lakh to INR 5 lakhs
  • Covers AYUSH treatment
  • Available as Individual/ Family Floater Plan
  • Can avail No Claim Bonus of 5%
Pravasi Bharti Bima Yojna
  • A mandatory policy for all Indians emigrating to foreign countries, under the Emigration Act
  • Covers
    • Accidental Death
    • Permanent Total/Partial Disability
  • Covers legal liabilities
  • Entry Age
    • Children - Up to 21 years
    • Adults - Minimum age 18 years
  • Hospital expenses of the insured and his family members (spouse & children) are covered
Corona Kavach Policy
  • Comprehensive health insurance plan to cover COVID-19 treatment
  • Sum Insured from INR 50,000 to INR 5 lakhs
  • Available as Individual/ Family Floater Plan
  • Covers AYUSH treatment
  • Policy Tenure 3 ½ months, 6 ½ months or 9 ½ months
Raheja QBE Group Health Insurance Policies
  • Raheja QBE Group Personal Accident Insurance
  • Raheja QBE Hospital Cash-Group
  • Group Corona Kavach Policy

Raheja QBE General Insurance Company Premium Payment Process

The payment of the premium can be done very easily, you can choose any one of the following 2 ways: 

  • Online
    Visit the official website or click https://www.rahejaqbe.com. Select the plan you want to pay for and make the payment through any of the electronic mediums available such as - Credit cards/ Debit cards/ Net banking/ UPI Payments.
     
  • Offline
    You can also pay the premium offline by visiting the branch office. To locate a nearby branch click https://www.rahejaqbe.com/branch-locator. Keep in mind that the premiums will be accepted through Cheque/ Demand Draft or an electronic medium.

Raheja QBE General Insurance Company Policy Renewal Process

It is strongly suggested that you get your policy renewed before it hits the date of expiry. This way you keep yourself safeguarded against any financial burden that may arise during the 30-day grace period. There are also various benefits and discounts that you can avail if your policy is renewed timely. For example, not paying the due premium in time will make you lose out on any hard-earned NCB that you may have accumulated. 

  • Car and Two-Wheeler Insurance
    To renew your insurance online, you can visit the company website, enter your policy details and make the payment through your credit/debit card or net banking or UPI. You may also renew the policy offline by visiting the branch office. To locate a nearby branch click https://www.rahejaqbe.com/branch-locator.
  • Health Insurance
    To renew your health plan offline you need to visit the branch office. To renew the policy online you need to login to the company website or click https://www.rahejaqbe.com/health-insurance. Enter your policy details and date of birth, your renewal details will be shown to you, you can pay the premium through an electronic medium and renew your policy.

Raheja QBE Insurance Company - Renewal of Expired Policy

  • Car and Two-wheeler Insurance
    In case your policy has expired already, a new insurance policy can be applied for. Since there has been a break in the policy, a company official or a recognised representative will physically inspect your vehicle. After approval, the NCB and other entitlements will be fixed.
  • Health Insurance
    You must get your policy renewed during the 30-day grace period if you want to continue with the coverage benefits. If your policy has lapsed get in touch with the customer care as soon as possible, and they would guide you about the renewal. Medical screening may be required depending on the policy that you have opted for.

Raheja QBE General Insurance Company Claim Process

To initiate a claim, you can visit the company website or call the toll-free number 1800 102 7723 or just click https://www.rahejaqbe.com/claim

Raheja QBE settles all its claims through the appointed TPA. To get in touch with the TPA you can call the toll-free number 1800 4259 449 or send an email to info@mediassistindia.com.  (Health Insurance related claims), 1800 102 77 23  or email to customercare@rahejaqbe.com(Motor Insurance related claims). 

  1. Car and Two-wheeler Insurance
    • Cashless Claims
      At a network garage, once the inspection from the surveyor is done, your vehicle will undergo repair. The claims will be settled with the garage directly. To locate a network garage, click https://www.rahejaqbe.com/garage-locator.
    • Reimbursement Claims
      However, if the vehicle is repaired at a non-network garage, once the inspection and approval are done by the surveyor, your vehicle will be repaired. You will have to pay the bill yourself. Post-repair you can submit all the bills and relevant documents, listed above, and make a claim for reimbursement.
  2. Health Insurance
    In the case of planned hospitalisation, you must notify the company in advance, however, not before 15 days. And in case of emergency hospitalisation, within 24 hours of admission.
    • Cashless Claims
      To avail a cashless treatment you need to get your treatment at a network hospital. You will have to fill in and submit the pre-authorisation form at the helpdesk or with the TPA agent. Once your paperwork is approved, your medical bills will be paid by Raheja QBE.
    • Reimbursement Claims
      If you got your treatment at a non-network hospital, you can claim a reimbursement, provided the healthcare provider fulfils all company-laid conditions. Post your hospitalisation, you need to fill in the Claim form and submit all the treatment-related documents within 30 days of discharge.

Raheja QBE General Insurance Company Profile

With its head office in Mumbai, the company is now spread all across the country. It has a hospital network of over 5000 hospitals and a network of over 1300 garages. Since its establishment, Raheja QBE has strived to respond and resolve all insurance-related issues quickly and through transparent ways. The company recorded an Incurred Claim Ratio of 83% in the financial year 2018-19. The way the company is becoming popular, it is certain that it would soon achieve its goal to become one of the most preferred insurance brands in the country.

Raheja QBE Insurance Company Limited-Customer Care Details

Official Websitewww.rahejaqbe.com
Email IDcustomercare@rahejaqbe.com
Phone Number 022-41715050
Toll-Free Number1800-102-7723
Company Address Ground Floor, P&G Plaza, Cardinal Gracious Road, Chakala, Andheri East, Mumbai-400099.

Raheja QBE General Insurance FAQs

  • What are the different kinds of insurance plans offered by Raheja QBE Insurance Company?

    The company offers the following:

    1. Raheja QBE Car Insurance
    2. Raheja QBE Two-Wheeler Insurance 
    3. Raheja QBE Commercial Vehicle Insurance
    4. Raheja QBE Health Insurance
    5. Raheja QBE Commercial Property Insurance
    6. Raheja QBE Commercial Packages Insurance
    7. Raheja QBE Construction and Engineering Insurance
    8. Raheja QBE General Liability Insurance
    9. Raheja QBE Marine Insurance
    10. Raheja QBE Professional Liability Insurance
    11. Raheja QBE Professional Liability Insurance
    12. Raheja QBE Workers Compensation Insurance
    13. Raheja QBE Miscellaneous Insurance
  • What is the latest Incurred Claim Ratio of Raheja QBE Insurance Company?

    The company had a total ICR of 83% in the financial year 2018-19.

  • Does Raheja QBE Insurance offer group Corona Kavach Policy?

    Yes, it does. This policy allows you to insure your members/ workers/employees and their family members under the cover of one policy. The policy would cover the medical expenses done on the treatment of COVID-19. The sum insured ranges from INR 50,000 to INR 5 lakhs.