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Raheja QBE Health Insurance Premium Calculator
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As one of the leading health insurance providers in India, Raheja QBE offers a broad range of healthcare plans, which are offered at different price points. The company offers a brilliant tool, called the Raheja QBE health insurance premium calculator online, which helps interested buyers to evaluate their choices, during the time of healthcare policy purchase. If you are interested in a Raheja QBE health care plan then make sure to use the Raheja QBE health insurance calculator to get an estimated price margin on the preferred policy premium.
Let us have a look at the various features, advantages, and all the other important things associated with the Raheja QBE health policy calculator.
The Essential Features of the Raheja QBE Health Insurance Calculator
In terms of features, the Raheja QBE health insurance calculator offers tons of things, including:
1. Step-by-Step Customization
The Raheja QBE health mediclaim premium calculator has a very organized system that covers most of the basic pointers needed for calculating the estimated policy premium. This allows you to move in a step-by-step method, all while providing and learning the necessary details related to the policy. The knowledge that you gain, while choosing certain features and options, directly assists you in making better decisions when picking the right coverage plan for yourself and your loved ones. This feature of the Raheja QBE health calculator helps you efficiently customize the plan on the fly, in order to achieve the ideal results.
2. No External Influence of Agents
The Raheja QBE health insurance calculator online tool is a well-programmed service that works on its own via necessary algorithms. Anyone can use it to obtain estimated prices of the coverage plan by simply visiting the official webpage, and setting the correct parameters and the Raheja QBE health calculator will work on the basis of that only. So, the whole process can be completed within a few minutes and there is no need to contact or even chat with a salesman or policy advisor. This allows interested policy buyers to make valid decisions, free from any external persuasion.
3. Quick and Efficient Calculations
The Raheja QBE health insurance premium calculator online is a very igneous instrument and does its job in a quick manner. By properly providing all the required details and hitting the correct checkboxes, the tool gets back to you with the policy price estimates in a few seconds. Its efficiency comes in very handy when deciding on a coverage plan for yourself and your family.
4. Easy to Use Interface
One of the most useful and highlighted features of the Raheja QBE health insurance calculator is its user-friendly interface, which comes with a simple layout design. The reason behind this being a helpful feature is that users won’t have to learn anything special in order to operate it, as everything is easy to find and use. Even if you haven’t used the Raheja QBE health calculator before, you can still use it by setting the necessary parameters and providing the required information to get the results in an instant.
5. Helps in Plan Selection
A lot of factors affect the premium price of a Raheja QBE health insurance policy, some of which you will notice when using the online calculator. For instance, the selected sum insured value and the health care plan will have a direct effect on the estimated price. By using the Raheja QBE health calculator, you will be able to pick the perfect plan by selecting the adequate sum insured value and plan type of your health care policy.
Things to Remember While Using a Raheja QBE Health Insurance Premium Calculator
The Raheja QBE health insurance premium calculator is a great tool, however, there are certain points that you should keep in mind when using it:
- When searching for the right coverage plan that meets all your requirements, the Raheja QBE health calculator provides great assistance during the process. The tool helps you to get the estimated premium prices of the selected coverage plan, based on the provided information. As an interested policy buyer, it is better to consider the Raheja QBE health insurance premium calculator as a useful device that aids in assessing the estimated policy cost, and not as a plan advisory tool.
- The Raheja QBE health calculator depends on a few factors which help it to determine the estimated premium prices of health care plans. These factors include information like total members to be covered, age, illnesses, BMI, etc. of the insured individual or party and based on such parameters, the calculator determines the premium prices. So, depending on the provided input, the final output or result of the calculator will be affected.
- The estimated premium prices of the coverage plan, obtained from the Raheja QBE health insurance calculator, might vary from the actual payable price. This is due to some factors that were previously not considered under the tool, like the insured’s profession, residing location, etc.
How to Use the Raheja QBE Health Insurance Premium Calculator Online?
If you want to use the Raheja QBE health policy calculator to get estimated premium prices of healthcare plans, then visit the official website, and fill up with the information it needs like coverage type, gender, number of members to be covered, age of the members, contact information, and some other details. Once done, press “Calculate Premium” and it will present the price estimation on your screen.
Here are some of the factors that the Raheja QBE health insurance policy calculator requires when calculating coverage price:
- Policy type
- Members to be covered
- Age of all members
- Plan’s sum insured amount
- BMI of the included members
- Lifestyle Details
- Medical History
These are a few examples of the factors that the Raheja QBE health insurance premium calculator doesn’t include during calculating premiums:
- Details of any previously rejected policy (if applicable)
- Current residential location of the members
- Job or professional background of the insured
Raheja QBE Health Insurance Premium Chart
The Raheja QBE insurance premium chart is a comprehensive and vividly detailed table containing various premium price rates of the healthcare plan with respect to the major affecting factors like term periods, total coverage amount, age groups, etc. In case you want to have a thorough assessment of the policy premium and verify which prerequisites affect it, then you should refer to the Raheja QBE insurance premium chart.
How is Raheja QBE Health Insurance Premium Determined?
There are multiple factors that are taken into consideration when determining the actual Raheja QBE health insurance policy premium amount. Some of these are:
In the case of Raheja QBE health insurance policy, age comes in as a crucial determining factor of the plan’s premium. The reason behind this is that older people have a weaker immune system than the younger ones, which makes them more inclined to suffer from diseases and other medical conditions. This is why they carry more risk and have to pay a higher premium for the health coverage plan than the younger folks.
- Lifestyle Details
Certain lifestyle habits of an individual stand out to be vital factors behind the premium price determination of health insurance policy. This includes things like alcohol consumption, smoking habit or any other form of “habit-forming substance” addiction. Individuals with a regular habit of drinking and smoking are more likely to suffer from health-related conditions and diseases like cancer, hypertension, stroke, heart problems, kidney problems, etc. and thus they have to pay a higher policy premium.
- Medical History
The medical history of an individual or their family can affect the payable premium price of the health insurance policy. This is because, for example, a person with a pre-existing heart condition has a stronger possibility of suffering from a health-related complication and requiring medical assistance in the future. As this increases their risk value, they have to pay more in terms of the policy premium.
Another important factor affecting the policy premium is the gender of the individual. As per certain studies and statistics, it has been observed that women have a higher chance of consulting with a physician and taking prescriptions than men. Thus the payable policy premium amount for health insurance is different for men and women.
- Plan Type
The health insurance policy itself is a major factor when it comes to the premium amount. The Raheja QBE health insurance offers various health coverage plans and policies, each of which is offered at a distinct price tag. Also, the coverage type affects the price point as family floater plans are more cost-effective than the individual sum insured plans.
- Sum Insured Amount
The selected sum insured value of the health insurance policy is a direct factor that affects its overall payable premium amount. Generally, a higher coverage attracts a higher premium value and vice versa.
The Body Mass Index or BMI is a major element that affects the policy premium amount. The BMI of an individual is determined by taking their height and weight into consideration. If a person has an irregular or abnormal BMI, then there is a fair chance that they would be facing health issues like diabetes, joint problems, etc. in the future. As they will be needing frequent medical assistance, they have to pay more in terms of health insurance premiums.
Tax Exemption on Raheja QBE Health Insurance Premium
Among the various other benefits of having a health care plan in India, the annual tax exemption benefit is one of the most practical and useful ones. This benefit is functional under section 80D of the Income Tax Act 1961, which allows individuals to save a certain amount on yearly tax by paying premiums on their health insurance coverage plan. If you are under the age of 60, then you are inclined to get an annual tax deduction of up to INR 25,000. In case you are a senior citizen, you are prone to get an annual tax deduction of up to INR 50,000. In the event that both you and your dependent parents are senior citizens, then the upper limit of the annual tax deduction raises up to INR 1 lakh.
|Insured Members Under the Policy||Tax Deduction|
|Under 60 years Age||Over 60 years Age|
|Self, Spouse and Children||INR 25,000||INR 50,000|
|Dependent Parents/Senior Citizens||INR 25,000||INR 50,000|
|Maximum Deduction||INR 50,000||INR 1,00,000|
Raheja QBE Health Insurance Premium Calculator FAQs
1. Does the Raheja QBE health mediclaim premium calculator work on mobile devices?
Yes, the Raheja QBE health insurance calculator works fine when used on a mobile device through a modern supported browser.
2. What are the benefits of using the Raheja QBE health insurance premium calculator?
The Raheja QBE health calculator is a free online tool offered by the insurer, that helps users efficiently get the estimated premium amount of their selected health care plan. It makes policy purchase planning much simpler.
3. Do I need to provide my contact details during calculating the policy premiums on the Raheja QBE health calculator?
Yes, you are required to provide your contact number and email address at the time of using the Raheja QBE health insurance calculator.
4. Can I choose between individual and family floater plan options within the Raheja QBE health policy calculator?
Yes, at the time of using the Raheja QBE health policy calculator, you can choose between the individual and family floater plan.
5. Can I select the sum insured value within the Raheja QBE health insurance premium calculator?
Yes, you can select the preferred sum insured value within the Raheja QBE health policy calculator.
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