Raheja QBE is a collaboration between the Rajan Raheja Group and QBE that was founded in 2008. Raheja QBE, headquartered in Mumbai, is a rising name in the health insurance industry. Besides health insurance, Raheja QBE also provides cost-effective products in motor insurance, marine insurance, personal insurance, cattle insurance, workers' compensation insurance, and so on.
What makes Raheja QBE an excellent health insurance provider for you? Major insurer highlights, such as an extensive network hospital list, the cashless facility at network hospitals, different sum insured options and others, significantly increase the value of Raheja QBE.
Health Insurance Policies from Raheja QBE
Regarding health insurance products, Raheja QBE now offers two important policies. The two policies, Health QuBE and Cancer Insurance are excellent health insurance investments because they are easily available at low premium prices. Comprehensive in nature, Health QuBE and Cancer Insurance are the ideal health insurance policies to choose if you require full coverage without having to empty your wallet in the event of an emergency medical issue. Look into the advantages of all Health QuBE and Cancer Insurance policies-
Health QuBE
Health QuBE is a good option because it is one of the finest health insurance products on the market. It is ideal for covering substantial medical costs during a medical emergency and is available to people aged 90 days to 65 years. The Raheja health insurance policy is obtainable on an individual and family floater basis and has the benefit of lifelong renewability. The Health QuBE is issued for one or two years and covers up to two adults and two children on a family floater basis.
Health QuBE is available in four variants: Basic Plan, Super Saver Plan, Comprehensive Plan, and A la carte Plan, with a sum covered ranging from INR 1 Lakh to 50 Lakh. The policy covers in-patient hospitalisation, pre and post hospitalisation, free health checkup, organ donor benefit, ambulance charges, domiciliary hospitalisation, daily cash allowance, non-medical expenses, recharge/replenish benefit, increase in sum insured, and optional add-on covers of sub-limit waiver and co pay.
If you want to buy insurance online, and learn more about the Health QuBE policy to make a decision, go to Raheja QBE Health Insurance - Health QuBE and carefully read the policy wordings.
Cancer Coverage
Raheja QBE's Cancer Insurance policy is truly a blessing for many people. A Cancer Insurance plan serves people aged 1 to 70 years, assisting policyholders with the substantial medical expenses associated with cancer treatment. This Raheja policy provides a lump sum amount to the covered individual on accepting a cancer claim. What's more? The policy covers you even if you're in the advanced phases. In addition, all diagnostic inquiry and treatment expenses incurred by doctors or surgeons are reimbursed.
Cancer Insurance policy sum insured options begin at INR 1 lakh and increase in multiples after that, up to a maximum of INR 10 lakh. The coverage covers a lump sum payment of 50% of the sum insured or INR 2.5 lakh, whichever is less, upon claim acceptance, as well as necessary and reasonable medical costs incurred in the diagnostic inquiry or cancer treatment that exceed 75% of the amount paid as a lump sum. One of the important advantages is the reimbursement of up to 50% of pre-policy medical screening expenditures. Very importantly, Raheja's Cancer Insurance policy offers continuous benefits, up to the sum covered, even after the policy has expired for up to 5 years.
Benefits of Purchasing Insurance from Raheja QBE
The following are the major features that make Raheja QBE the best choice:
- Simple claims processing.
- A professional team dedicated to aiding policyholders during the claim process.
- COVID-19 coverage.
- The wide cashless health insurance network.
- You are eligible for lifetime renewability.
- Discounts: If you choose a 20% co-pay coverage, Raheja Health Insurance will give you a discount on your premium.
- Allows you to pay your premiums by UPI, Paytm, Net banking, Debit/Credit card, and other methods that are convenient for you.
- Raheja QBE health insurance provides a 20% organ donor benefit charge on sums insured ranging from INR 3 to 50 lakh in the basic, comprehensive, super saver, and customisable plans.
- It provides ambulance charges of INR 500 for sums insured between INR 1 lakh and INR 2 lakh, INR 1,500 for sums insured between INR 3 lakh and INR 9 lakh, and INR 2,500 for sums insured between INR 10 lakh and 50 lakh.
Cashless Claims Procedure
Raheja QBE provides a cashless claims facility for hospital treatments to make things easier for policyholders. When seeking cashless treatment, the policyholder needs to visit any of the hospitals in Raheja QBE's network. In health insurance claim situations, you have to take the following actions:
- For treatment, go to any hospital in the Raheja QBE network. You may get the same information on their website.
- Get the form needed to make a cashless treatment request.
- After completing the form, you must submit it for authorisation, after which the insurer will send a pre-authorisation letter to the hospital.
- Once approved, the cashless treatment will be carried out in line with the conditions and criteria.
Conclusion
Raheja QBE health insurance provides a variety of low-cost health insurance packages. Their plans are tailored to protect you from rising financial obligations to your family during and after hospitalisation and medical treatments. Among private insurers, they have a fairly good claim resolution ratio. However, their ultimate performance is the result of their ongoing efforts to provide exceptional customer service. As a result, look no further if you are looking for an insurer who will provide dependability, competence, and excellent post-sales services in conjunction with the product.
