Raheja QBE Health Insurance

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Affordable and flexible health insurance plans are currently the demand of the hour. Raheja QBE health insurance helps policyholders with this exact need. It helps you cover yourself and your family members against multiple healthcare disasters and also provides a financial backup plan in case any of the insured is diagnosed with a serious disease. 

Raheja QBE is a partnership between QBE Insurance and Rajan Raheja Group, the former being the second-largest global insurer in Australia. The company was established in 2008, and since then, the primary objective has been to create a more conducive environment for insurance customers and partners. Raheja QBE provides a wide and flexible range of health insurance plans. The company even got an A+ rating in the Standard and Poor’s Insurance Financial Strength Rating, making it one of the most reliable insurers in India.

Being completely devoted to the well-being of the policyholders. Raheja QBE provides a wide range of health insurance policies with wide coverage options. The company also provides other value-added services like quick and hassle-free claim settlement, a customer-oriented approach, and a huge network of hospitals with complete transparency. All this makes Raheja QBE health insurance plans a highly preferred choice among new-age insurance shoppers. 

Let’s check the Raheja QBE health insurance details.

Raheja QBE Health Insurance Key Highlights

CoverageIn-patient hospitalisation expenses, Pre-hospitalisation expenses, Post-hospitalisation expenses.
Network Hospitals5000+
RenewabilityLifelong

Why Should You Buy a Raheja QBE Health Insurance Policy?

An unexpected medical emergency can create trauma in your family. It is not just the loss of income you might face at such times. But also, it may require extensive investigation to determine the underlying cause and treatment options. This can mean more visits to doctors' offices, time off from work and costs that exceed the insured limit. If you have opted for health insurance from Raheja QBE General Insurance, your family does not have to suffer at all since it covers huge expenses for treating extraordinary cases like this.

Here is a list of the features of Raheja QBE health insurance plans:

  • Comprehensive coverage
  • Affordable premium rates
  • 5000+ network hospitals
  • Critical Illness coverage
  • Quick claim settlement
  • 24x7 helpline services

Raheja QBE Health Insurance Policy Details

Raheja QBE General Insurance offers Health QuBE, Arogya Sanjeevani Policy, Health QuBE Super Top Up Plan, Cancer Insurance, Individual Personal Accident Insurance, Group Personal Accident Insurance, Hospital Daily Cash-Group, Pravasi Bhartiya Bima Yojana, Corona Kavach Policy, Group Corona Kavach Policy, Group Health Insurance, Group Premier Personal Accident Policy, Saral Suraksha Bima, Group Loan Insurance, and Group Health Super Top Up.

1. Health QuBE 

Health QuBE plans are specially tailored according to the needs of the policyholder. The policyholder has complete flexibility regarding the sum insured and the coverage he or she wants. These plans can be classified into Basic Plan, Comprehensive Plan, Super Saver Plan, and A-La-Carte Plan.

Except for Comprehensive Plan, Basic Plan, Super Saver Plan, and A-La-Carte Plan are available in two variants each. 

AspectsBasic PlanComprehensive PlanSuper Saver PlanA-La-Carte Plan
Sum Insured

Variant 1- INR 1-2 lakh

Variant 2 - INR 3-50 lakh

INR 3-50 lakh

Variant 1 -INR 1–2 lakh

Variant 2 - INR 3-50 lakh

Variant 1 - INR 1- 2 lakh

Variant 2 - INR 3-50 lakh

Plan TypeIndividual/ Family Floater (Both Variant 1 & 2)Individual/ Family Floater Individual/ Family Floater (Both Variant 1 & 2)Individual/ Family Floater (Both Variant 1 & 2)
Coverage

Variant 1

  • In-patient hospitalisation
  • Pre-hospitalisation (30 days)
  • Post-hospitalisation (60 days)
  • Ambulance expenses
  • Daily allowance
  • Recharge benefit
  • Medical check-up 
  • Increase of sum insured (10% on cashless)
  • Domiciliary hospitalisation
  • Cumulative bonus
  • Sub-limit of 1% and 2% of the sum insured  on room rent and ICU charges, respectively

Variant 2

  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • Doctor fees up to 25% of the sum insured
  • Ambulance expenses
  • Organ donor expenses
  • Recharge benefit
  • Medical check-up 
  • Non-medical expenses cover (on cashless facility up to INR 5,000)
  • Increase of sum insured (10% on cashless)
  • Domiciliary hospitalisation
  • Cumulative bonus
  • Sub-limit of 1% and 2% of the sum insured  on room rent and ICU charges, respectively
  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • Ambulance expenses
  • Organ donor expenses
  • Recharge benefit
  • Medical check-up
  • Non-medical expenses cover (on cashless facility up to INR 5,000)
  • Increase of sum insured (10% on cashless)
  • Domiciliary hospitalisation
  • Cumulative bonus
  • No limit on room rent and ICU charges

     Variant 1 

  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • Doctor fees up to 25% of the sum insured
  • Ambulance expenses
  • Organ donor expenses
  • Recharge benefit
  • Medical check-up
  • Non-medical expenses cover (on cashless facility up to INR 5,000)
  • Increase of sum insured (10% on cashless)
  • Domiciliary hospitalisation
  • Cumulative bonus
  • Sub-limit of 1% and 2% on room rent and ICU charges, respectively

Variant 2

  • In-patient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • Ambulance expenses
  • Organ donor expenses
  • Recharge benefit
  • Medical check-up
  • Non-medical expenses cover (on cashless facility up to INR 5,000)
  • Increase of sum insured (10% on cashless)
  • Domiciliary hospitalisation
  • Cumulative bonus
  • Sub-limit of 1% and 2% of the sum insured on room rent and ICU charges, respectively

Variant 1

  • In-patient hospitalisation
  • Pre-hospitalisation (30 days)
  • Post-hospitalisation (60 days)
  • Doctor fees up to 25% per claim* (can get waived with an add-on
  • Ambulance expenses
  • Daily allowance
  • Recharge Benefit
  • Medical check-up 
  • Increase of sum insured (10% on cashless)
  • Domiciliary hospitalisation
  • Cumulative Bonus

Variant 2

  • Inpatient hospitalisation
  • Pre-hospitalisation (60 days)
  • Post-hospitalisation (90 days)
  • Ambulance expenses
  • Organ donor expenses
  • Recharge benefit
  • Medical check-up
  • Non-medical expenses cover (on cashless facility up to INR 5,000)
  • Increase of sum insured (10% on cashless)
  • Domiciliary hospitalisation
  • Cumulative bonus 
  • Sub-limit of 1% and 2% per claim* on room rent and ICU charges, respectively
  • Sub-limit waiver as an optional coverage
Entry Age Limit

18 – 65 years for adults

90 days – 25 years for dependent children (Variant 1 & 2)

18 – 65 years for adults

90 days – 25 years for dependent children

18 – 65 years for adults

90 days – 25 years for dependent children (Variant 1 & 2)

18 – 65 years for adults

90 days – 25 years for dependent children (Variant 1 & 2)

Co-payment Obligation  20% for both variant 1 & 220% for both variant 1 & 2 on an optional basis

Note - Choosing the co-payment option reduces your premium.

2. Arogya Sanjeevani Policy

This is a pocket-friendly health insurance plan offered by Raheja QBE. The coverage can be purchased on an individual or family floater basis on a sum insured amount ranging from INR 50,000–10 lakhs. 5% co-pay is included on all claims.

Sum InsuredINR 50,000 – 10 lakhs
Plan TypeIndividual / Family Floater
Age Requirement

18 – 65 years for adults

3 months – 25 years for dependent children

Coverage

  • In-patient hospitalisation
  • Pre-hospitalisation (30 days)
  • Post-hospitalisation (60 days)
  • Day care treatment
  • Cataract treatment
  • AYUSH therapy
  • Cumulative bonus
  • Road ambulance expenses

3. Health QuBE Super Top Up Plan

This super top-up policy enhances your current health insurance policy up to a sum insured amount of INR 1 crore. Policyholders are not required to go through any pre-acceptance medical screening until the age of 55 years. 

Sum InsuredINR 50,000 – 10 lakhs
Plan TypeIndividual / Family Floater
Age Requirement

18 – 65 years for adults

3 months – 25 years for dependent children

Coverage

  • In-patient hospitalisation
  • Pre-hospitalisation expenses
  • Post-hospitalisation expenses
  • Day care treatment
  • Domiciliary hospitalisation
  • Homecare treatment expenses
  • Advanced treatment

Add-on Coverage

  • AYUSH treatment cover
  • Organ donor expenses
  • Maternity cover
  • Prenatal expenses
  • Post-natal expenses
  • Sum insured reinstatement
  • Emergency ambulance expenses
  • Air ambulance expenses
  • Lasik cover
  • Treatment for infertility
  • Additional advanced treatment

4. Cancer Insurance

This health insurance is specially devised for cancer patients to provide them with financial assistance for all cancer stages. The sum insured ranges from INR 1 lakh to 10 lakhs.

Sum InsuredINR 1 lakh – 10 lakhs
Min Age RequirementDay 1
Entry Age Limit70 years

Coverage

  • Lumpsum pay-out of INR 2,50,000 or 50% of overall insured sum on the first cancer diagnosis.
  • Reimbursement of medical treatment expenses based on receipt and bill submission

5. Individual Personal Accident Insurance

The insurance provides defined benefits depending on the insured person’s injury in an accident within the policy term.

Sum Insured
Min Age Requirement5 years
Entry Age Limit65 years

Coverage

  • Accidental death
  • Permanent total disablement
  • Permanent partial disablement
  • Temporary total disablement
  • Temporary partial disablement
  • Compensation benefit
  • Cumulative bonus
  • Transportation expenses of mortal remains
  • Damage or loss of insured’s clothing in an accident
  • Road ambulance expenses
  • Dependent children education cost cover
  • Employment loss cover

6. Group Personal Accident Insurance

This group policy covers expenses against unfortunate accidents during the policy term.

Sum Insured
Min Age Requirement5 years
Entry Age Limit65 years

Coverage

  • Accidental death
  • Permanent total disablement
  • Permanent partial disablement
  • Temporary total disablement
  • Compensation benefit
  • Mortal remains’ transportation expenses
  • Road ambulance expenses

Optional Coverage

  • Hospital confinement allowance
  • Medical expenses extension

7. Hospital Daily Cash-Group

Raheja QBE's Hospital Daily Monetary plan implements this concept by delivering the convenience of daily cash rewards to the insured individual and their help. 

Sum InsuredINR 500 – 5000 per day
Coverage Term30, 60, 90, 180 days
Plan TypeIndividual / Family Floater

Coverage

  • Sickness hospitalisation cover
  • Accidental hospitalisation cash

Optional Coverage

  • Accidental death
  • Day care treatment
  • Convalescence benefit
  • Income loss 
  • International emergency benefit
  • Time deductible

8. Pravasi Bhartiya Bima Yojana

This Pravasi Bhartiya Bima Yojana policy is an insurance coverage required by the Emigration Act for all Indian nationals relocating to other countries. The insurance protects travellers against personal accidents, medical problems, and other risks. 

Sum Insured
Plan Term2, 3 years
Age Requirement

18 for adults

Up to 21 years for children

Coverage

  • Personal accident cover
    • Accidental death
    • Permanent Disability
  • Attendant airfare and transportation
  • Injuries or diseases related in-patient hospitalisation expenses
  • Maternity cover
  • In-patient hospitalisation of insured’s family in India
  • Employment contingencies
  • Medical repatriation expenses
  • Legal costs

9. Corona Kavach Policy

This plan is specially designed for individuals looking for coronavirus coverage. The sum insured ranges from INR 50,000 – 5 lakhs. The policy includes AYUSH treatment and hospital cash. The last date for this policy purchase is 30th September 2022. 

Sum InsuredINR 50,000 – 5 lakhs
Waiting Term15 days
Policy Term3 ½ months, 6 ½ months, 9 ½ months

Coverage

  • In-patient hospitalisation
  • Pre-hospitalisation expenses (15 days)
  • Post-hospitalisation expenses (30 days)
  • Ambulance expenses
  • Home care treatment
  • AYUSH therapy cover
  • Hospital daily cash

10. Group Corona Kavach Policy

This policy offers group coverage of the Corona Kavach Policy. It covers in-patient coronavirus hospitalisation. The last date for this policy purchase is 30th September 2022.

Sum InsuredINR 50,000 – 5 lakhs
Waiting Term15 days
Policy Term3 ½ month, 6 ½ month, 9 ½ month

Coverage

  • In-patient hospitalisation
  • Pre-hospitalisation expenses (15 days)
  • Post-hospitalisation expenses (30 days)
  • Ambulance expenses
  • Home care treatment
  • AYUSH therapy cover
  • Hospital daily cash

11. Group Health Insurance

This policy covers a large group of people under a single master plan where the employer is usually the policyholders and the employees or staff members are the insured. 

Sum InsuredINR 25,000 – 1 crore
Policy TypeIndividual / Family floater
Policy Term-

Coverage

  • In-patient hospitalisation
  • Day care treatment
  • Domiciliary hospitalisation
  • Pre-hospitalisation expenses
  • Post-hospitalisation expenses
  • Accidental hospitalisation

Add-on Coverage

  • Home care treatment expenses
  • AYUSH therapy cover
  • Organ donor cover
  • Healthcare check-up
  • Maternity cover
  • New born baby cover
  • Pre-natal expenses
  • Post-natal expenses
  • Reinstatement of insured sum
  • Co-pay 
  • Emergency ambulance expenses
  • Air ambulance expenses
  • Corporate buffer
  • Out-patient cover
  • Well child cover
  • Well women cover
  • Wellness benefit
  • Sublimit of specified diseases
  • Accidental death
  • Permanent total disablement
  • Permanent partial disablement
  • Convalescence benefit
  • Indemnity based critical illness cover
  • Benefit based critical illness cover
  • Vaccination
  • Family transportation
  • Daily hospital cash
  • Lasik cover
  • Infertility treatment
  • Super top-up cover
  • Tele consultation
  • Assistance services
  • Second medical opinion
  • Excess/deductible
  • Advanced treatment procedures

12. Group Premier Personal Accident Policy

This group personal accident policy covers hospitalisation and other benefits to the insured when he or she gets involved in any unfortunate accident.

Sum Insured
Plan TermUp to 1 year
Age Requirement

Coverage

  • Accidental death
  • Permanent total disablement
  • Permanent partial disablement
  • Temporary total disablement

Add-on Coverage

  • Double dismemberment
  • Accidental hospitalisation
  • Out-patient medical expenses
  • Accidental hospital cash
  • Burns
  • Broken bones
  • Funeral expenses
  • In-patient surgery benefit
  • Ambulance charges
  • Home or vehicle modification benefit
  • Assault
  • Dependent child or spouse consolation benefit
  • Dependent child education benefit
  • Common accident cover
  • Comatose benefit
  • Rehabilitation benefit
  • Reconstructive surgery benefit
  • Home tuition benefit
  • Parental child wedding benefit
  • Orphan benefit
  • Mortal remains repatriation
  • Job loss cover
  • Family transportation benefit
  • Imported medicine transportation
  • Personal protective equipment damage
  • Support items cost
  • Second medical opinion
  • Trauma counselling
  • Medical insurance premium benefit
  • Incidental expenses
  • Domiciliary hospitalisation
  • Prolonged hospital benefit
  • Air ambulance expenses
  • Accidental miscarriage
  • Chauffeur plan benefit

13. Saral Suraksha Bima

With the Saral Suraksha Bima policy, you may protect yourself and your family from losses caused due to an accident. The policy provides straightforward yet comprehensive protection against the financial effects of unanticipated catastrophes and disasters.

Sum Insured
Waiting TermNot applicable
Payment BasisIndemnity plan

Coverage

  • Accidental death
  • Permanent total disablement
  • Permanent partial disablement

Add-on Coverage

  • Temporary total disablement benefit
  • Accidental in-patient hospitalisation
  • Education grant benefit

14. Group Loan Insurance

Raheja QBE Group Loan Insurance plan is intended for both new and current financial institution clients. This insurance covers and compensates for unforeseen catastrophes, personal accidents, as well as critical diseases. It also provides coverage for hospital cash (daily) and job loss for debtors. Furthermore, this Group Loan Insurance covers personal and other types of loans.

Sum Insured
Entry Age18-65 years
Policy Term6 months – 5 years

Coverage

  • Accidental death
  • Critical illness cover

Add-on Coverage

  • Permanent total disablement
  • Permanent partial disablement
  • Child education benefit
  • Utility bill
  • Hospital daily cash
  • Job loss

15. Group Health Super Top Up

Raheja QBE Group Health Super Top Up policy is a group health insurance policy that pays for hospital expenditures in excess of the deductible sum up to the level stated in the policy.

Coverage

  • In-patient hospitalisation
  • Day care treatment
  • Domiciliary hospitalisation
  • Pre-hospitalisation expenses
  • Post-hospitalisation expenses
  • Advanced treatment

Add-on Coverage

  • AYUSH treatment benefit
  • Organ donor cover
  • Maternity cover
  • New born baby cover
  • Pre-natal expenses
  • Post-natal expenses
  • Sum insured reinstatement
  • Emergency ambulance
  • Air ambulance
  • Lasik cover
  • Infertility treatment
  • Advanced treatment

So, these are the details of health insurance policies offered by Raheja QBE General Insurance. 

Raheja QBE Health Insurance Benefits

Medical costs are ever-rising, making it imperative for people to have a proper health insurance policy offering maximum protection against healthcare expenses. Raheja QBE strikes a balance between a wide range of comprehensive plans and affordable premium rates. But, if you are still not convinced, here are the benefits offered by Raheja QBE health insurance plans.

1. Multiple Health Insurance Plans to Choose from

Mentioning Raheja QBE health insurance, you can't think of anything else. This is because its plans offer financial protection against life's unforeseeable emergencies such as heart attack or any other medical problems that could happen anytime, anywhere. This way, you don't have to face the enormous financial burden that comes along with medical treatments and hospitalization.

From individual plans to family floater plans and group coverage, Raheja QBE has multiple options for each type of health insurance plan. This makes the life of policyholders that much easier.

2. High Sum Insured

Health insurance may be one of the most common and convenient types of coverage in India. However, you should consider some factors before getting yourself insured. Raheja QBE Health insurance is crafted specifically to meet the needs of the population at large in India. It offers a unique combination of value for money and innovative features with an all-around focus on health and wellness, helping you stay healthy all through life.

For instance, Raheja QBE Group Health Insurance offers a sum insured amount up to INR 1 crore. Other than that, QuBE health insurance plans offer a sum insured ranging from INR 1- 50 lakh.

3. Affordable Premiums

Raheja QBE health insurance offers affordable premium rates on their health insurance plans. However, it offers you more than just affordable premiums. They have a wide range of insurance plans for individuals, families, and groups that offer comprehensive benefits at a cost you can afford.

4. Medical Second Opinion

As an added benefit, multiple Raheja QBE health insurance policies provide a second opinion from the doctor. This is extremely beneficial for anyone suffering from a little or serious ailment, or even if you receive treatment from doctors. You should see a specialist since hospitals may be extremely expensive at times, and you don't have to exhaust your health insurance policy to cope with it.

Medical second views might be especially beneficial if you plan to obtain treatment outside of the country. This can safeguard your life by recommending suitable therapy or, at the very minimum, saving you money.

5. AYUSH treatment cover

AYUSH therapies are becoming increasingly popular. Because so many individuals choose these, Raheja QBE health insurance policies have opted to include the same in their health coverage. This benefits those who do not trust allopathy and are seeking alternative medical therapies. They may now do so effortlessly and without breaking the bank.

6. Large Hospital Network

The need for healthcare is never-ending. A large network of hospitals is the need of the hour. Raheja QBE Health insurance has 5000+ partnered hospitals where you can get cashless treatment. This makes it convenient for the customer to get admitted with ease and peace of mind.

7. Tax Benefits

Income Tax Act Section 80D provides tax breaks to medical insurance policyholders who properly pay their premiums. Tax deductions for those under 60 are limited to INR 25 thousand, including INR 5 thousand for preventative health check-ups. The same for elderly individuals above the age of 60 has been enhanced to INR 50 thousand.

Claim Settlement Ratio of Raheja QBE Health Insurance

When looking for a health insurance policy, it's important to understand its benefits and costs. One of the most commonly checked facts when shopping for health insurance policies is the claim settlement ratio or CSR. It is the proportion of settled claims over the total number of claims filed by the policyholders in a particular year. So, a higher number reflects the insurance company has settled maximum claims in a particular year. However, it needs to be highlighted that a good number of claims get rejected due to the policyholder’s fault. Most of them forget to include policy documents or file claims for reasons not covered by their policy. Nevertheless, CSR can provide a pretty good head-start if the company has a good claim settlement ratio.

Raheja QBE health insurance has a claim settlement ratio of 30.29% in less than three months and 7.21% in a period ranging from three to six months.

How to Buy Raheja QBE Health Insurance Online at Paytm Insurance?

The main concern for policyholders looking to buy health insurance coverage is how to get the best value for their money. The best way to confirm that you are getting the best coverage under your budget is by comparing available health insurance plans. Paytm Insurance helps policyholders by providing a platform where they can compare and contrast their health insurance policies before purchasing. 

Here is a step-by-step procedure for Raheja QBE health insurance purchase:

  1. To start off the process, visit the Paytm Insurance website.
  2. Click on ‘health insurance’ on the homepage. It will provide you with a drop-down list of health insurance providers.
  3. Choose Raheja QBE. A new page will open.
  4. Fill up the provided short questionnaire. 
  5. Input your age and pin code. 
  6. Select ‘get quotes’. You will be directed to a page full of Raheja QBE health insurance plans available to you. 
  7. Compare and contrast the plans based on their coverage and premium amount.
  8. Click on your favourite plan and buy it online from Paytm Insurance. 

List of Documents Required to Buy Raheja QBE Health Insurance Online

Here is a list of documents required by the insurance provider to confirm your eligibility for a certain health insurance plan. 

  1. Duly filled application form
  2. Recent photographs
  3. Recent medical reports
  4. Proof of Identity
    1. PAN Card
    2. Aadhaar Card
    3. Passport
    4. Driver License
    5. Voter Card
  5. Proof of Age
    1. Passport
    2. Birth Certificate
    3. PAN Card
    4. Driver License
    5. Voter Card
  6. Proof of Address
    1. Voter Card
    2. Recent Bank Statements
    3. Passport
    4. Ration Card
    5. Recent Utility bills
  7. Proof of Income (if required)
    1. Recent pay stubs
    2. Recent Bank Statements

Note: The insurer may require more documents to confirm your eligibility. 

How to Renew Raheja QBE Health Insurance Online?

It is important to renew your existing health insurance policy online on time. It confirms the insured does not have to worry about policy lapse or a break in insurance coverage. Raheja QBE medical insurance policies can be digitally renewed on the company’s official website. Here is a step-by-step breakdown of the same:

  1. Visit the official website of Raheja QBE General Insurance.
  2. Click on ‘renew now’ under ‘health insurance’.
  3. Input your policy number and your basic information. 
  4. Once you fill in the captcha, click on ‘submit’.
  5. You will be provided with a policy renewal quotation.
  6. Pay the renewal fees online to renew your health insurance plan.

How to File a Claim with Raheja QBE Health Insurance Online?

There are mainly two different claim types with Raheja QBE health insurance plans. 

The first one is cashless claims. It helps you receive treatment at any of the partnered medical facilities without any out-of-pocket expenses. This is beneficial especially if the insured-patient needs to be urgently admitted to any hospital and the medical treatment expense is too high.

The second one is reimbursement claims. This claim refunds you the amount you have spent on hospitalisation or any of the covered expenses. This is beneficial when you do not have any nearby hospital to admit the insured patient. 

Before we dive into the details of the claims, let’s go through the generic claim intimation process. 

To register a claim for the retail or GMC policies, contact the TPA via 1800-4259-449 or the email address via info@mediassistindia.com or contact.phs@paramounttpa.com. For any other policy, you need to contact the call centre team by dialing 1800-102-7723 or emailing customercare@rahejaqbe.com. 

Raheja QBE Cashless Health Insurance Claim Process

If the insured is diagnosed with any major health issue, you can get them admitted to any of your insurance provider’s network hospitals and take advantage of the company's cashless claims. This is how you can save a lot of money and get quality treatment for the patient. 

Here is a breakdown of the Raheja QBE cashless health insurance claim procedure:

  1. To start off the process, get the insured patient admitted to any network hospital.
  2. Submit your health card and valid ID proof to the hospital.
  3. The hospital and TPA will coordinate to verify and authorise your insurance papers.
  4. Once Raheja QBE approves your papers, the cashless treatment will begin.
  5. After the treatment is complete, the hospital will send your discharge certificate and final invoice to the insurance company.
  6. Raheja QBE will go over the papers one more time and grant its approval, subject to successful verification. 
  7. If everything goes fine, Raheja QBE will settle the invoice directly with the hospital. 

What is the Reimbursement Claim of Raheja QBE Health Insurance?

The reimbursement claim needs you to settle the hospital invoice and other expenses before filing for a refund. When filing your claim, you need to provide the necessary hospital bills and other medical expenses. Once your claim is approved, you will receive the entire amount in your provided bank account.

Here is a breakdown of the Raheja QBE reimbursement health insurance claim procedure:

  1. Visit the Raheja QBE website and register using the Raheja QBE health insurance login.
  2. Download the claim application document from the policy download page of Raheja QBE health insurance.
  3. Submit the necessary paperwork to the Raheja QBE office for the claim processing.
  4. Once your health insurance is approved, the amount will be credited to your provided bank account.

List of Documents Required for Raheja QBE Health Insurance Reimbursement Claim

The following documents are needed when submitting a claim with Raheja QBE:

  • Duly filled claim form along with the treating physician and insured’s signature
  • Discharge summary along with the complaint and availed treatment details
  • Final hospital invoice along with the detailed breakdown of bill payment receipts
  • Consultation documents
  • Investigation reports
  • Implant invoice or sticker
  • Pharmacy bills along with doctor prescriptions
  • MLC and/or FIR (if needed)
  • Detailed bills which supports treating doctor prescription for miscellaneous charges
  • Health card photocopy
  • Any related documents
  • Documents sent to TPA
  • Referral letter recommending hospitalisation
  • Final police report (if needed)
  • Indoor case paper
  • Post-mortem report
  • Death certificate (if applicable)
  • Death summary (if applicable)
  • Panchnama report
  • Insurance certificate or schedule photocopy
  • Coroner’s report
  • Disability report (if applicable)
  • Funeral expense bills and receipt (if applicable)
  • Loan certificate or amortisation schedule (if applicable)
  • KYC details
  • Travel proof (if applicable)
  • NEFT Details

How to Calculate Raheja QBE Health Insurance Premium?

You do not really want to overpay for your health insurance coverage. You desire a sense of security that an insurance provider will be available when you require it. Raheja QBE has put up a strategy to assist you in finding a policy with the most coverage and the lowest prices that meet your budget.

When reading through the insurance specifics individually, you can get a free premium estimate from a Raheja QBE General representative by clicking on the 'get quote' button. This is a fantastic approach to contrasting and evaluating the premiums and benefits of each insurance policy before purchasing one that matches your needs.

Raheja QBE Health Insurance Tax Benefits

Section 80D of the Income Tax Act offers tax benefits to health insurance policyholders on the premiums paid. Policyholders over 60 years receive a tax deduction limit of INR 50 thousand, while those under the age limit receive tax breaks up to INR 25 thousand. So, if you are under 60 and you have someone over 60, you will be entitled to an age deduction limit of INR 75 thousand. In the same way, if there are two senior citizens under the same plan, they can receive tax advantages up to INR 1 lakh.

Premium paid forTax Deduction Under Section 80D
< 60 years>= 60 years
Self, spouse and dependent childrenINR 25,000INR 50,000
Dependent parentsINR 25,000INR 50,000
Total tax deduction 80DINR 50,000INR 1,00,000

What is Covered under Raheja QBE Health Insurance Plans?

The most reliable aspect of Raheja QBE health insurance policies is its comprehensive coverage. It responds to every policyholder’s needs by offering a wide range of medical insurance plans. The following list offers typical Raheja QBE health insurance plan inclusions:

  • In-patient Hospitalisation

This coverage covers expenses related to the treatment of covered medical issues that takes more than 24 hours of hospitalisation. 

  • Day care treatment 

Raheja QBE health insurance covers medical expenses related to the relevant medical condition treatment that does not require hospitalisation for more than 24 hours.

  • Pre-hospitalisation

Medical expenses related to the relevant treatment before actual hospitalisation are covered.

  • Post-hospitalisation

This coverage covers healthcare expenses related to the relevant treatment after the insured patient’s discharge from the hospital.

  • Advanced Treatment

You get coverage for advanced treatment methods.

What is not Covered Under Raheja QBE Health Insurance Plans?

Like every other health insurance policy, Raheja QBE does not cover every situation. There are certain conditions excluded from the scope of its coverage. These are called policy exclusions. The insurance company will not be liable for settling a claim if you file it for any of the following conditions:

  • Diseases during the initial 30-day waiting term
  • Pre-existing diseases or illnesses during their respective waiting periods
  • Evaluation or investigation of diseases without actual treatment
  • Respite care, rest cure and rehabilitation
  • Plastic or cosmetic surgery
  • Weight control or obesity treatments

Note: Please refer to the health insurance policy wording to receive a detailed list of exclusions under every plan.

Raheja QBE Network Hospitals

Medical facilities under insurance providers offer both cashless and reimbursement claims to the policyholders of that certain insurance company. So, if a company has a good number of network hospitals, it means more options for the insured patient to get admitted to any of the medical facilities for high-quality treatment at no out-of-pocket costs. All these make emergency and planned hospitalisation episodes less stressful. 

Raheja QBE has a network of 5000+ hospitals across the country. To search for a local hospital under its network, visit the company’s official website.

Raheja QBE Health Insurance Reviews

Raheja QBE health insurance offers comprehensive coverage at affordable rates. Raheja QBE Health Insurance provides medical coverage for people all over the country. It has one of the most extensive hospital networks on the market and is famous for its personalised service for its large client base. With numerous premium packages and personalised solutions, Raheja Health Insurance offers the best insurance deals to consumers. Even if you are a first-time customer or have lost your previous policy, the company can help you get another affordable policy.

How to Contact Raheja QBE Health Insurance Company?

Phone NumberTollfree Hotline: 1800-102-7723 
Emailcustomercare@rahejaqbe.com 
Address

Raheja QBE General Insurance Ltd.

Ground Floor, Procter and Gamble Plaza, Cardinal Gracious Road, Chakala, Andheri East, Mumbai, Maharashtra-400099

Websitewww.rahejaqbe.com

Raheja QBE Health Insurance FAQs

  • 1. Does Raheja QBE offer room rents with sub-limits?

    Yes. Raheja QBE health insurance offers in-patient hospitalisation expenses coverage with capped room rent limits on some plans, not all. Again, it is advisable to go through the policy brochure or prospectus to understand the cap limit.

  • 2. Does Raheja QBE health insurance cover alternative treatment?

    Yes. Most Raheja QBE health insurance plans cover AYUSH treatment. However, it is advisable to go through the policy brochure or prospectus to confirm the same before purchasing.

  • 3. Can my spouse get coverage from Raheja QBE health insurance?

    Yes. You can add your spouse as insured under any Raheja QBE health insurance plan.

  • 4. Does Raheja QBE offer employer-employee coverage?

    Yes. Raheja QBE offers group insurance plans for employer-employee coverage.

  • 5. Can I port my policy to Raheja QBE health insurance?

    Yes. You can easily port your existing policy to Raheja QBE health insurance by contacting the company before the renewal date.

  • 6. How to get cashless treatment from Raheja QBE network hospital?

    In order to get cashless treatment, you need to get the insured admitted to any of the partnered medical facilities of Raheja QBE General. Next, you have to show the ID proof and health card of the concerned person. Upon confirmation from Raheja QBE, the hospital will provide you with cashless treatment.

  • 7. What is the age requirement for Raheja QBE health insurance?

    To get covered under a Raheja QBE health insurance plan, adults need to be at least 18 years old, and children need to be three months old.

  • 8. How to buy Raheja QBE health insurance coverage?

    Buy a Raheja QBE health insurance plan on the company’s official website and follow the application procedure. Alternatively, you can visit the Paytm Insurance website and go through multiple insurance plans, including those of Raheja QBE. After comparing all the plans, you can purchase the Raheja QBE health insurance policy if it serves your needs.

  • 9. How can I contact Raheja QBE online?

    To contact Raheja QBE online, you need to email them at customercare@rahejaqbe.com.

  • 10. How to locate the nearest branch of Raheja QBE General?

    You can locate your nearest Raheja QBE General branch by visiting the official website of the insurance company. Here’s what you need to do afterward.

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