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Raheja QBE Health Insurance FAQs

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Highlights
Claim SettlementDedicated Team
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Network Hospitals5,000+
Policies Sold135
Renewability Lifelong Renewability
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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 IBAI’s General Insurance Claim Insights Handbook For Policyholders - 4th Edition, Raheja QBE primarily writes liability insurance where claim payment takes place in the future. So, the immediate or short term settlement of claims of the insurer is low.

  • 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

  • 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.

  • Who should buy the Raheja QBE family health insurance plan?

    People who want to insure the health of themselves as well as their families under a single sum insured amount should buy Raheja QBE family health insurance policy Health QBE. Learn that if you want your entire family to benefit from the policy, purchasing it on a family floater sum insured basis would be a must.

  • Can I change the sum assured during Raheja QBE family health insurance tenure?

    Since health insurance companies, including Raheja QBE do not allow change of sum insured during the policy period, it is advisable to request sum insured change at the time of policy renewal.

  • What is the advantage of the Raheja QBE family health insurance plan?

    Raheja QBE family health insurance policy comes with numerous advantages. Some of the prime advantages of the plan include lifelong renewal of the policy, the cashless facility at more than 2000 network hospitals, wide-coverage, easy & quick claim settlement, sum insured amount up to Rs. 50 Lakh, reimbursement of non-medical expenses up to a certain limit, 10% extra sum insured limit on choosing a cashless facility and many others.

  • What does the Raheja QBE family health insurance plan cover?

    In-patient hospitalisation expenses, pre & post hospitalisation expenses, emergency ambulance expenses, domiciliary hospitalisation, daily cash allowance, organ donor expenses, sum insured recharge/replenish benefit, health checkup, non-medical expenses, and optional add-on of sublimit waiver & copayment are some of the key coverage features of Raheja QBE family health insurance policy.

  • Does Raheja QBE family health insurance policy offer tax deductions?

    Yes! As per the section 80D of the Income Tax Act, 1961, a policyholder is eligible for tax benefits for the premium paid towards Raheja QBE family health insurance.

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.

  • Who should buy Raheja QBE individual health insurance plan?

    Raheja QBE individual health insurance policy Health QuBE is one of the best policies for individuals who want to insure themselves at an affordable premium rate. Health QuBE is the ideal plan for anyone looking forward to covering their medical expenses covered during a medical emergency situation.

  • Can I change the sum assured during Raheja QBE individual health insurance tenure?

    If you have the Raheja QBE individual health insurance and want to change its sum insured amount, note that it would be best to wait for the renewal time as health insurance companies do not allow any sort of sum insured changes during the policy period.

  • What is the advantage of the Raheja QBE individual health insurance plan?

    When you buy Raheja QBE individual health insurance policy, you gain many benefits. The key advantages of the plan include a cashless facility at more than 2000 network hospitals, wide cover, lifelong policy renewal, sum insured amount up to Rs. 50 Lakh, 10% extra sum insured limit, reimbursement of non-medical expenses up to a certain limit, and many others.

  • What does Raheja QBE individual health insurance plan cover?

    Raheja QBE individual health insurance policy Health QuBE covers many features. The key ones include in-patient hospitalisation expenses, pre & post hospitalisation expenses, emergency ambulance expenses, daily cash allowance, organ donor expenses, domiciliary hospitalisation, sum insured recharge/replenish benefit, health checkup, non-medical expenses and many more.

  • Does Raheja QBE individual health insurance policy offer tax deductions?

    Yes! If you possess Raheja QBE’s individual health insurance policy, you will be eligible for tax benefits as per Section 80D of the Income Tax Act, 1961.

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.

  • Who should buy the Raheja QBE kids health insurance plan?

    Raheja QBE kids health insurance policy is an apt choice for people who want to cover the health of their dependent children aged above 90 days up to 21 years. Note that up to two dependent children can be covered under the Health QuBE policy on a family floater sum insured basis.

  • Can I change the sum assured during Raheja QBE kids health insurance tenure?

    No! A policyholder cannot change the sum insured amount during their Raheja QBE kids health insurance policy tenure as the same is not allowed. The best time to make any changes would be the policy renewal time.

  • What is the advantage of the Raheja QBE kids health insurance plan?

    There are many benefits of the Raheja QBE kids health insurance policy. The key advantages include lifelong renewal of the policy, easy & quick claim settlement, the cashless facility at 5000+ network hospitals, vast health insurance coverage, sum insured amount up to Rs. 50 Lakh, 5% cumulative bonus on every claim-free renewal, reimbursement of non-medical expenses up to a certain limit, 10% extra sum insured limit on choosing the cashless facility, 15 days free look period, 30 days grace period, etc.

  • What does Raheja QBE kids health insurance plan cover?

    The coverage features under Raheja QBE kids health insurance policy are in-patient hospitalisation expenses, pre & post hospitalisation expenses, daily cash allowance, sum insured recharge/replenish benefit, emergency ambulance expenses, domiciliary hospitalisation, free health checkup based on the sum insured chosen, non-medical expenses, organ donor expenses, optional add-on cover for copayment & sublimit waiver, and more.

  • Does Raheja QBE kids health insurance policy offer tax deductions?

    Yes! Raheja QBE kids health insurance policy provides tax benefits as per the Section 80D of the Income Tax Act, 1961 towards the policy premium paid to the policyholder.

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.

  • Who should buy Raheja QBE parents health insurance plan?

    Individuals up to 65 years of age who are willing to invest in a health insurance plan that takes care of various medical bills during an unexpected medical emergency situation should buy Raheja QBE parents health insurance plan for themselves or their parents.

  • Can I change the sum assured during Raheja QBE parents health insurance tenure?

    If you want to make any changes to the sum insured amount of your Raheja QBE parents health insurance, the ideal time to do so would be the policy renewal time. It is because any form of changes during the policy tenure is not allowed by the insurer.

  • What does Raheja QBE parents health insurance plan cover?

    Raheja QBE parents health insurance plan covers in-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation, emergency ambulance expenses, organ donor expenses, daily cash allowance, sum insured recharge/replenish benefit, free health checkup based on the sum insured chosen, non-medical expenses, and other optional add-on covers.

  • Does Raheja QBE parents health insurance policy offer tax deductions?

    A policyholder can avail tax benefits as per Section 80D of the Income Tax Act, 1961 towards the premium paid for Raheja QBE parents health insurance policy.

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-hospitalisation and post-hospitalisation cover is provided by Raheja QBE?

    Yes. Pre-hospitalisation 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

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

  • Who should buy Raheja QBE senior citizen health insurance plan?

    Raheja QBE senior citizen health insurance policy is a must for elderly people who want to insure themselves against unexpected medical expenses arising due to an emergency. The plan Health QuBE comes with a maximum entry age of 65 years, so if you are less than the same, you can buy the policy.

  • Can I change the sum assured during Raheja QBE senior citizen health insurance tenure?

    No! A policyholder cannot make any change to the sum insured amount during the Raheja QBE senior citizen health insurance policy since the health insurance company does not permit the same. Any increase or decrease in the sum insured can be brought about at the time of policy renewal.

  • What is the advantage of the Raheja QBE senior citizen health insurance plan?

    Raheja QBE family health insurance policy comes with numerous advantages. Some of the prime advantages of the plan include lifelong renewal of the policy, the cashless facility at more than 5000 network hospitals, wide-coverage, easy & quick claim settlement, sum insured amount up to Rs. 50 Lakh, quick claim settlement, 5% cumulative bonus on every claim-free renewal, 15 days free look period, 30 days grace period, reimbursement of non-medical expenses up to a certain limit, and 10% extra sum insured limit on choosing a cashless facility.

  • What does Raheja QBE senior citizen health insurance plan cover?

    In-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation, emergency ambulance expenses, organ donor expenses, daily cash allowance, sum insured recharge/replenish benefit, free health checkup based on the sum insured chosen, non-medical expenses, optional add-on cover for copayment & sublimit waiver are some of the major expenses that the Raheja QBE senior citizen health insurance policy provides cover for.

  • Does Raheja QBE senior citizen health insurance policy offer tax deductions?

    Yes! Policyholders of the Raheja QBE senior citizen health insurance policy are eligible for tax benefits as per Section 80D of the Income Tax Act, 1961 towards the policy premium paid.

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.

  • Who should buy a Raheja QBE woman health insurance plan?

    Women up to 65 years of age who are willing to get themselves insured for a lifetime without being financially dependent on anyone at the time of an unexpected medical emergency should buy a Raheja QBE woman health insurance policy.

  • Can I change the sum assured during Raheja QBE woman health insurance tenure?

    No! Since health insurance companies including Raheja QBE do not allow change of sum insured during the policy tenure, the ideal time to make any change would be policy renewal time.

  • What is the advantage of the Raheja QBE woman health insurance plan?

    Wide coverage, lifelong renewal of the policy, the cashless facility at 5000+ network hospitals, easy & quick claim settlement, 5% cumulative bonus on every claim-free renewal, 15 days free look period, 30 days grace period, sum insured amount up to Rs. 50 Lakh, reimbursement of non-medical expenses up to a certain limit, and 10% extra sum insured limit on choosing a cashless facility are some of the key benefits covered under Raheja QBE woman health insurance policy.

  • What does Raheja QBE woman health insurance plan cover?

    Coverage benefits provided under the woman health insurance policy by Raheja QBE are In-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation, emergency ambulance expenses, sum insured recharge/replenish benefit, free health checkup based on the sum insured chosen, non-medical expenses, organ donor expenses, daily cash allowance, optional add-on cover for copayment & sublimit waiver.

  • Does Raheja QBE woman health insurance policy offer tax deductions?

    Yes, policyholders with Raheja QBE woman health insurance policy receive tax benefits under Section 80D of the Income Tax Act, 1961 for the premium paid.

Raheja QBE Health Insurance Plan List

Name of PlanSum Insured
Health QuBEMin: 90 Days; Max: 65 Years1 Lakh Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Cancer InsuranceMin: 1 Day; Max: 70 Years1 Lakh Get Quotes Now
Corona Kavach PolicyMin: 18 years; Max: 65 years50,000 - 5 Lakh Get Quotes Now

Raheja QBE Health Insurance Top Up List

Name of PlanSum Insured
Super Top-up PolicyMin: 91 days; Max: 65 yearsUp to Rs 1 Crore Get Quotes Now

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Raheja QBE Health Insurance Contact Details

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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.

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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