Raheja QBE Corona Rakshak 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 Corona Rakshak Health Insurance
Corona Rakshak Policy offered by Raheja QBE is a standard benefit based medical insurance policy especially designed to cater to the healthcare requirements of people in the pandemic times. The policy provides cover to the insured in case he/she is tested positive for COVID-19 and requires continuous hospitalisation for at least 72 hours, by paying the sum insured in lump sum. Kindly note that the diagnosis should be done at a diagnostic center that is authorized by the government. Also, hospitalisation should be recommended by the doctor.
Corona Rakshak Policy, Raheja QBE, is a short term policy that can be purchased for 3.5 months, 6.5 months, or 9.5 months as per your requirement. After which, you will have to buy a new policy in case you still want to get covered. The minimum and maximum age criteria to purchase this policy is 18 years and 65 years respectively. You can buy this policy for a sum insured of Rs. 50,000; Rs. 1 Lakh; Rs. 1.5 Lakh; Rs. 2 Lakh; and Rs. 2.5 Lakh, as per your budget and requirement, as premium differs for different sum insured options. Kindly note that the policy comes with a waiting period of 15 days after which you can start availing policy benefits. Also, a good news is that if you pay the premium for this policy in any mode other than cash, then you can avail tax benefits under Section 80D of the Income Tax Act, 1961.
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Key Inclusions and Exclusions of the Plan
What's Included
- Sum insured options between Rs. 50,000 and Rs. 2.5 Lakh
- People aged between 18 years and 65 years eligible to buy
- Complete sum insured in lump sum on diagnosis of COVID-19
- Tax benefits under Section 80D of Income Tax Act, 1961
- Policy terms of 3.5 months, 6.5 months, and 9.5 months
What's Not Included
- Expenses that are not related to diagnosis or treatment of COVID-19
- If diagnosis for COVID-19 is done at an unauthorized center
- No claim will be admissible if made during the waiting period
- Claims made solely for investigation or evaluation purpose
- Expenses related to OPD and daycare procedures arising due to COVID-19 treatment
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FAQs on Corona Rakshak Policy Health Insurance Plan
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What are the sum insured options available under Corona Rakshak Policy offered by Raheja QBE?
Corona Rakshak Policy offered by Raheja QBE comes with sum insured options of Rs. 50,000; Rs. 1 Lakh; Rs. 1.5 Lakh; Rs. 2 Lakh; and Rs. 2.5 Lakh.
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Can I avail tax benefits on the premium paid for Corona Rakshak Policy offered by Raheja QBE?
Yes. You can avail tax benefits on the premium paid for Corona Rakshak Policy offered by Raheja QBE. Kindly note that the benefit can be availed only when the premium is paid in any other mode than cash.
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Are OPD and daycare procedures covered under Corona Rakshak Policy offered by Raheja QBE?
No. Corona Rakshak Policy offered by Raheja QBE does not cover you for OPD and daycare procedures, even if they are required due to COVID-19.
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Can I renew my Corna Rakshak Policy offered by Raheja QBE?
No. Corona Rakshak Policy offered by Raheja QBE is a short-term policy available for different terms. Hence, it cannot be renewed. In case the policy expires, you can purchase a new one. To be able to avail benefits under the new policy, you will be required to complete a waiting period of 15 days again.