Raheja QBE Cancer Health Insurance
Claim Complaints Ratio | 80% |
Claim Settlement | Dedicated Team |
COVID-19 Cover | Yes |
Network Hospitals | 5,000+ |
Policies Sold | 135 |
Renewability | Lifelong Renewability |
About Raheja QBE Cancer Health Insurance
Cancer is a one-of-a-kind health condition that if not detected early, can be life-threatening. We all know that timely diagnosis and proper treatment has been the only way to cure a cancer patient. Thus, Cancer Insurance policy offered by Raheja QBE is one such policy in this endeavour. This medical insurance policy provides financial support to help you avail the best treatment in the best hospital. With this policy in hand, you can focus on treatment rather than worrying about hefty cancer treatment expenses.
This plan offers cancer coverage to all individuals in the age group of 1 day to 70 years. Anyone who is diagnosed with cancer and is covered can avail claim under this policy. On the diagnosis of cancer, the insurer pays the insured for the expenses incurred on diagnostic investigations as well as the treatment expenses on doctors or surgeons. The payment under this policy is made in a lump sum on acceptance of the cancer claim. Even the advanced stages of cancer are offered coverage under this plan. The USP of this plan is that if the policyholder gets diagnosed with cancer during the policy term and files a claim for the same, then he/she is eligible for the benefits up to the sum insured even after the expiry of the policy for up to 5 years from the policy start date.
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Key Inclusions and Exclusions of the Plan
What's Included
- Compensation of medical expenses after submission of original bills
- Pre-policy medical screening expenses up to 50%
- Quarterly reimbursement of expenses till the exhaustion of total sum insured
- Payment made in a lump sum on acceptance of cancer insurance claim
- Continuity of benefits up to the sum insured even after policy expiry up to 5 years
What's Not Included
- Claim not supported by diagnostic investigation reports
- Disease, illness, injury directly or indirectly related to nuclear weapons
- Pre-existing cancer condition, 48 months before policy purchase
- False or incorrect diagnosis
- Disease, illness, injury directly or indirectly associated with the radiation of any sort
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Raheja QBE Cancer Insurance Expert Review
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Major Attractions
Cancer Insurance by Raheja QBE General Insurance is a one-of-a-kind product that one can opt for to avail the much-desired financial support without having to spend their savings. What’s best is that the policy enables a Cancer detected individual with not only freedom of financial stress while undergoing treatment, but also stress-free life after Cancer. The prime features covered under the Cancer Insurance policy includes -
- 50% of the sum insured or Rs. 250,000, whichever is less, as a lump sum amount on acceptance of a claim
- Reasonable and important medical expenses actually incurred by the insured person in the diagnostic investigation or medical treatment of Cancer, in excess of 75% of the amount paid as a lump sum
- Reimbursement of pre-policy medical screening expenses up to 50%
- Compensation of medical expenses after original bills are submitted
- Quarterly reimbursement of expenses until the exhaustion of total sum insured
- Continuity of benefits up to the sum insured even after policy expiry up to 5 years
- An increase in sum insured by 5% for all claim-free policies subsequently renewed in adherence to the terms of the policy
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What’s More?
There are multiple features of Cancer Insurance by Raheja QBE that allow an insured to prevent the burden of bearing sky-rocketing costs while curing Cancer. Also present, under the policy, are a few elements that make it a complete package. Note that other than the expense coverage, Raheja’s Cancer Insurance also offers -
- Lifelong renewability feature
- Hassle-free claim settlement
- 30 days of grace period for policy renewal
- 15 days free look period for policy cancellation
- Tax benefits under Section 80D of the Income Tax Act
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Conclusion
At last, if you want to secure yourself financially and health-wise, choose Raheja’s Cancer Insurance policy so as to avail effective treatment without breaking your bank.
If willing to invest in Cancer Insurance, it is advised to prefer the online mode of purchase to enable quick policy issuance. Besides, to avail policy transparency, claim settlement support, policy portability, and other added support, you can choose the platform of InsuranceDekho without thinking twice.
Claim Process at Raheja QBE Health Insurance
FAQs on Cancer Insurance Health Insurance Plan
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What are the sum insured options available under this policy?
The sum insured option ranges from Rs. 1 Lakh to a maximum of Rs. 10 Lakh.
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Is pre-policy medical checkup required to purchase this policy?
Anyone who is aged 50 years and above is required to undergo a pre-policy medical checkup to purchase this policy.
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I am less than 50 years of age. What is the criteria for me to purchase this policy?
Anyone who is less than 50 years of age can purchase this policy based on self-declaration and by presenting medical certificates by a registered doctor as mentioned in the proposal form.
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Is there any feature of cumulative bonus available under this cancer policy?
For every claim-free year, the policyholder is eligible for a cumulative bonus of 5% up to a maximum of 25% at the time of renewal.