Raheja QBE Health Insurance FAQs

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.

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

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

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

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

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

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.

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

Maximum two adults and two children can be added under the family floater plan 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.

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.

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.

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.

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.

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.

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

Yes. Raheja QBE offers portability feature in health insurance.

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

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

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.

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.

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.

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

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

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.

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.

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.

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.

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.

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

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

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.

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.

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.

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.

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.

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

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

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.

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.

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.

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.

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

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

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

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.

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

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.

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

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.

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

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.

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.

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.

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.

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.

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.

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

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

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

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.

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.

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.

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.

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.