Raheja QBE Health Insurance FAQs

Raheja QBE Health Insurance

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Highlights

2000+ Network Hospitals

135 Policies Issued

Lifelong Renewability

24.90%*Claim Settlement Ratio

Dedicated Claim Management Team

Coronavirus (COVID-19) Cover

Claim Settlement

  • What is Raheja QBE’s process of settling claims?

    Once you file a claim with Raheja QBE, an officer will investigate the whole matter. If the claim request is approved, the company settles the claim within 7 days.

  • What is the Claim Settlement Ratio of Raheja QBE?

    As per the IRDAI (Insurance Regulatory and Development Authority of India), the Claim Settlement Ratio of Raheja QBE for the year 2015-2016 is 24.90%.  

  • When should I inform the company in case of reimbursement or cashless planned hospitalisation?

    You must inform the company within 48 hours in case of reimbursement or cashless planned hospitalisation.

  • When should I inform the company in case of reimbursement or cashless emergency hospitalisation?

    You must inform the company about emergency hospitalisation for cashless or planned treatment as soon as the emergency occurs.  

  • In which hospitals can I avail cashless treatment with Raheja QBE?

    You can avail cashless treatment at any network hospital of Raheja QBE. 

Critical Illness

  • What are the benefits of purchasing critical illness cover from Raheja QBE?

    You get the following benefits under the Cancer Insurance Policy offered by Raheja QBE-

    • Cumulative bonus 
    • Partial cover for pre-policy medical screening expenses
    • Compensation for medical expenses
    • Payment in lump sum on acceptance of cancer insurance claim

  • Is there any health insurance plan that provides cover for critical illness to the policyholders?

    Yes. Raheja QBE provides cover for critical illness under its Cancer Insurance Policy. 

  • What are the exclusions under the critical illness plan of Raheja QBE?

    Following are the exclusions under Cancer Insurance Policy of Raheja QBE-

    • Any illness/disease caused directly or indirectly due to nuclear weapons
    • Incorrect diagnosis
    • Disease/illness directly or indirectly associated with the radiation of any type 

  • Why should I buy a critical illness plan from Raheja QBE?

    Apart from the benefits mentioned above, one of the major benefits of Cancer Insurance Policy offered by Raheja QBE is that if, during the policy, the policyholder gets diagnosed with Cancer and files a claim for the same, then he/she will be allowed to avail the benefits up to the sum insured even after the policy has expired. This benefit can be availed for up to 5 years from the date of commencement of the policy. 

  • Which critical illnesses does Raheja QBE cover under its health insurance policies?

    Raheja QBE offers cover for Cancer under its Cancer Insurance Policy. 

Family Floater

  • Does Raheja QBE provide any health insurance policy for family?

    Yes. Health QuBE health insurance by Raheja QBE can be purchased on an individual basis or a family floater basis.

  • Who can be covered under the family floater health insurance plan offered by Raheja QBE?

    Maximum two adults and two children can be added under the family floater plan offered by Raheja QBE. 

  • What is the age criteria for covering family members under health insurance plans offered by Raheja QBE?

    The minimum and maximum entry age for a family floater plan offered by Raheja QBE is 90 days and 65 years, respectively. 

Feature

  • Does Raheja QBE offer lifetime renewability under its health insurance plans?

    Yes. Raheja QBE offers lifetime renewability under its health insurance plans.  

  • What is the duration of free look period provided under health insurance plans offered by Raheja QBE?

    A free look period of 15 days is provided under health insurance plans offered by Raheja QBE. 

  • Does Raheja QBE offer portability feature in health insurance?

    Yes. Raheja QBE offers portability feature in health insurance. 

General Information

  • What is the toll-free customer care number of Raheja QBE?

    The toll-free customer care number of Raheja QBE is 1800-1027-723.

  • What is the address of Raheja QBE?

    The address of Raheja QBE’s Head Office is-
    5th Floor, Windsor House
    CST Road, Kalina
    Santacruz (East), Mumbai 400098 - India

  • Do I get free-look period again at the time of policy renewal?

    No, the free-look period is not provided at the time of policy renewal. 

  • How can I renew my health insurance policy with Raheja QBE?

    You can get in touch directly with the company by calling them on their toll-free number and seek information about the auto-renewal process. You will receive a call from the company and after verifying your details, they will debit your account or activate auto-renewal in your profile.

Help to Buy

  • What is the toll-free customer care number of Raheja QBE?

    The toll-free customer care number of Raheja QBE is 1800-1027-723.

  • How to buy and apply for health insurance plans by Raheja QBE?

    You can purchase health insurance policies from Raheja QBE online from their official website i.e. rahejaqbe.com or visit InsuranceDekho's website, i.e. insurancedekho.com. 

  • How can I check my policy status for the health insurance policy from Raheja QBE?

    You can check your Raheja QBE’s health insurance policy status from the website itself. All you need to do is login to the website with the required details and click on the right policy number. You will get the details of your status.

Individual

  • Does Raheja QBE provide any health insurance policy for family?

    Yes. Health QuBE health insurance by Raheja QBE can be purchased on an individual basis or a family floater basis.

  • Is there any add-on benefit offered by Raheja QBE under its individual health insurance plan?

    Yes. There are two add-on benefits, viz., sub-limit waiver and co-pay offered by Raheja QBE under its individual health insurance plan. 

  • Is OPD treatment covered under an individual health insurance plan offered by Raheja QBE?

    No. OPD treatment is not covered under an individual health insurance plan offered by Raheja QBE. 

Kids

  • Does Raheja QBE provide cover for kids under any of its health insurance plans?

    Yes. Raheja QBE covers kids under its Health QuBE health insurance policy. 

  • How many kids can be added in health insurance plans offered by Raheja QBE?

    Up to two kids can be added under a single health insurance floater plan offered by Raheja QBE. 

  • What is the age criteria to seek cover for kids?

    The minimum and maximum entry age for kids under health insurance plans by Raheja QBE is 90 days and 18 years, respectively. 

Parents

  • What are the benefits of buying a health insurance policy for parents from Raheja QBE?

    Some benefits that you can avail on purchasing a health insurance plan for parents from Raheja QBE are- 

    • Choice of variants so that you can opt for the best one suiting your needs
    • Pre-hospitalisation cover
    • Post-hospitalisation cover
    • In-patient hospitalisation cover
    • Ambulance cover
    • Daily allowance
    • Organ donor benefit

  • Does Raheja QBE provide cover for health check-up under its health insurance plans for parents?

    Yes. The insured individual can avail health check-up, if specified in the policy schedule, with the network provider of Raheja QBE. 

  • What is the maximum entry age for parents under health insurance plans for parents offered by Raheja QBE?

    Parents can purchase a Raheja QBE health insurance plan up to the age of 65 years. 

Plan Coverage

  • What all is covered under in-patient hospitalisation cover under health insurance policies by Raheja QBE?

    The following expenses are covered under in-patient hospitalisation expenses-

    • Room, boarding charges
    • Prosthetic and other devices’ expenses 
    • ICU bed expenses
    • Doctor’s fees
    • Nursing expenses
    • Surgical fees, Anesthetist, Anesthesia, Blood, Oxygen and their administration, OT charges, Physical therapy
    • Laboratory, X-ray, Diagnostic tests expenses
    • Drugs and medicines prescribed by the doctor
    • Dressing, Ordinary splints, plaster casts, etc.

  • Is there any limit on the number of days for which pre and post-hospitalisation cover is provided by Raheja QBE?

    Yes. Pre and post-hospitalisation expenses are covered for a limited number of days under health insurance plans offered by Raheja QBE. 

  • Is domiciliary hospitalisation covered under health insurance policies offered by Raheja QBE?

    Yes. Domiciliary hospitalisation cover is provided under health insurance policies offered by Raheja QBE. 

Portability

  • Does Raheja QBE offer portability feature in health insurance?

    Yes. Raheja QBE offers portability feature in health insurance. 

  • When should I apply for portability with Raheja QBE health insurance?

    Raheja QBE must receive the application for portability at least 45 days before the policy renewal date of your existing policy.

  • Do I get the accumulated benefits if I port to a Raheja QBE health insurance policy?

    Yes. Under most health insurance policies offered by Raheja QBE, it offers the transfer of accrued benefits and makes due allowances for waiting periods, etc. 

  • Can I enhance my sum insured at the time of portability?

    No. With Raheja QBE, you can avail the portability benefits only in respect of the previous sum insured if you transfer from any other insurer. 

Premium

  • Can I cancel my health insurance policy from Raheja QBE during the free-look period?

    Yes. You may cancel your policy after stating the reasons for cancellation and you will get back the premium paid after adjusting the amount spent on any stamp duty charges, medical check-up, and proportionate risk premium. Remember, you can cancel the policy only if you have not made a claim yet. 

  • How can I pay premium for Raheja QBE’s health insurance?

    You can choose from the following options as per your convenience to pay the premium for health insurance plans by Raheja QBE:

    • Direct online payment
    • Debit mandate 
    • Cash or cheque method

  • What is the starting range of premium for health insurance policies offered by Raheja QBE?

    The premium for Raheja QBE health insurance policies starts at Rs. 2,095. The customers should note that the premiums are subject to change from time to time. 

  • How is premium calculated by Raheja QBE for its health insurance plans?

    The premium for Raheja QBE health insurance policies is calculated on the basis of the following factors-

    • Age
    • Sum insured opted 
    • Policy term
    • Pre-existing diseases
    • Current health condition
    • Habitual to drinking/smoking
    • Gender
    • Residential area

  • Does Raheja QBE offer any discount on premium paid for its health insurance policies?

    Yes. Raheja QBE offers 20% discount on premium if the customer purchases an add-on cover of co-pay under its Health QuBE health insurance plan. 

Senior Citizen

  • What is the maximum entry age for senior citizens under health insurance plans offered by Raheja QBE?

    The maximum entry age for senior citizens under health insurance plans offered by Raheja QBE is 65 years. 

  • What are the exclusions for senior citizens under health insurance plans offered by Raheja QBE?

    Given below are some exclusions for senior citizens under health insurance plans offered by Raheja QBE-

    • OPD treatment
    • Non-allopathic treatment
    • Treatment from a non-medical practitioner
    • Treatment taken outside India
    • Treatment related to fertility, birth control, etc. 

  • What are the benefits of buying a health insurance policy for senior citizens from Raheja QBE?

    Following are some benefits that the senior citizens can avail under health insurance policies offered by Raheja QBE-

    • Pre-hospitalisation expenses
    • Post-hospitalisation expenses
    • In-patient hospitalisation expenses
    • Add-ons to enhance benefits
    • Ambulance cover up to a certain limit
    • Organ donor expenses

Tax Benefit

  • Is there any tax benefit provided to the policyholders on the premium paid for Raheja QBE health insurance policies?

    Yes. The policyholders can enjoy tax benefits on premium if they purchase health insurance policies from Raheja QBE. 

  • Under which Act can the policyholders enjoy tax benefits for the premium paid for Raheja QBE health insurance policies?

    The policyholders can enjoy tax benefits on the premium paid for Raheja QBE health insurance policies under Section 80D of the Income Tax Act, 1961.  

  • In which mode should I pay the health insurance premium for Raheja QBE policies to avail tax benefit?

    You can pay the health insurance premium for Raheja QBE policies in any mode other than cash to avail the tax benefit.

Woman

  • What are the benefits offered to women under Raheja QBE health insurance plans?

    Given below are some benefits that the women can enjoy under health insurance plans offered by Raheja QBE-

    • In-patient hospitalisation cover
    • Organ donor cover
    • Daily allowance
    • Recharge benefit
    • Domiciliary hospitalisation cover
    • Add-on covers available 

  • What is the age criteria for women under health insurance plans offered by Raheja QBE?

    The maximum entry age for women under health insurance plans offered by Raheja QBE is 65 years. 

  • Is there add-on benefit offered under Raheja QBE’s women-centric health insurance plans?

    Yes. There are two add-on benefits offered under Raheja QBE’s women-centric health insurance plans, viz.-sub-limit waiver and co-pay. 

Raheja QBE Health Insurance Plan List

Name of PlanSum Insured
Health QuBEMin: 90 Days; Max: 65 Years1 Lakh Get Quotes Now
Cancer InsuranceMin: 1 Day; Max: 70 Years1 Lakh Get Quotes Now

Claim Process at Raheja QBE Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Raheja QBE Health Insurance User Reviews

  • Nice disease specific plan

    Raheja QBE Cancer Insurance is a good policy specifically designed for Cancer. Due to many cases of Cancer in India, I thought I must have it to be se...

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    P
    Priya Nagpal
    On: Jun 04, 2020 | Views
  • Best customer assistance ever!

    It was the first time that I was buying health insurance online. So I had several queries. But the team at InsuranceDekho solved all of them. I liked ...

    Read More
    P
    Piyush Goel
    On: Jun 02, 2020 | Views
  • I liked my plan

    Raheja QBE’s Cancer Insurance plan covers me for expenses related to Cancer up to the sum insured limit. I liked my plan and services of Insuran...

    Read More
    R
    Rahil Mirza
    On: May 30, 2020 | Views
  • Dedicated Claim Settlement Team

    I took Raheja QBE Health Insurance about 1 year ago. I claimed for cashless treatment in their network hospital and with the help of the claim managem...

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    N
    Neha Srivastava
    On: May 28, 2020 | Views
  • Useful policy..

    Raheja QBE offers great plans. I brought its Cancer for my father at an affordable premium. I will refer this policy to my friends and family members ...

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    D
    Divya Hasija
    On: May 26, 2020 | Views
  • Can’t find a better insurance

    Cancer insurance by raheja is a good move. This type of cancer insurance plans are very much required. The policy saves you from high cancer medical c...

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    V
    Varun Kumar
    On: Feb 05, 2020 | Views
  • Affordable, reliable cover

    Health QuBE by Raheja is the best plan for me. I have recently bought this policy at low premium rates. Let me tell you that it is great in terms of c...

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    D
    Deepak Singhal
    On: Feb 04, 2020 | Views
  • Raheja insurer proved the best for me

    Ever since i have purchase health insuarance from raheja i am not worried about my medical expenses. The plan covers all possible medical expenses tha...

    Read More
    R
    Ritwik Jain
    On: Jan 30, 2020 | Views
  • Raheja's cancer insurance plan is perfect

    Bearing high medical costs related to cancer treatment was not possible for me and my family. So, i chose this plan instead so that i can get a lump s...

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    J
    Jyoti Sinha
    On: Jan 30, 2020 | Views
  • Raheja QBE is perfect for me

    My past health insurance experience with another famous insurer was very bad. However, this time i am sure that raheja won't disappoint me. The co...

    Read More
    R
    Rajat Kashyap
    On: Jan 29, 2020 | Views

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