Let's explore more about these plans.
-
Raheja QBE Health QuBE
Health QuBe is a comprehensive health plan that covers all the healthcare needs of an individual and his family. Any person can buy this policy for themselves and their family members.
Eligibility Criteria:
- The minimum entry age is 90 days for children and 18 years for an adult.
- The maximum entry age is 25 years for children and 65 years for an adult.
The plan offers 4 tailor-made variants that allow the customers to customize their plan as per their needs. The available variants are:
- Basic
- Comprehensive
- Super-Saver
- A-La-Carte
| Schedule of benefits | Basic | Comprehensive | Super Saver | A-La-Carte |
| Sum insured limits (in Rs.) | 1 to 2 Lacs | 3 to 50 Lacs | 3 to 50 Lacs | 1 to 2 Lacs | 3 to 50 Lacs | 1 to 2 Lacs | 3 to 50 Lacs |
| In-patient hospitalisation | Available | Available | Available | Available |
| Room rent (per day) | 1% of sum insured | No limit | 1% of sum insured | 1% per claim*
(can be waived with add-on) |
| ICU charges (per day) | 2% of sum insured | No limit | 2% of sum insured | 2% per claim*
(can be waived with add-on) |
| Doctor fees (per day) | 25% of sum insured* | No limit | 25% of sum insured* | 25% per claim*
(can be waived with add-on) |
| Pre hospitalisation | 30 Days | 60 Days | 60 Days | 30 Days | 60 Days | 30 Days | 60 Days |
| Post hospitalisation | 60 Days | 90 Days | 90 Days | 60 Days | 90 Days | 60 Days | 90 Days |
| Ambulance charges | Available | Available | Available | Available |
| Daily allowance | Rs. 500 per day | Not Available | Not Available | Rs. 500 per day | Not Available | Rs. 500 per day | Not Available |
| Organ donor benefit | Not Available | 20% of sum insured | 20% of sum insured | Not Available | 20% of sum insured | Not Available | 20% of sum insured |
| Recharge/replenish benefit | Available | Available | Available | Available |
| Medical checkup | Available | Available | Available | Available |
| Non-Medical expenses | Not Available | Available | Available | Not Available | Available | Not Available | Available |
| Sum insured increase | 10% on cashless | 10% on cashless | 10% on cashless | 10% on cashless |
| Domiciliary hospitalisation | Available | Available | Available | Available |
| No claim bonus | Available | Available | Available | Available |
| Sub limit waiver* | Not Available | Built-in | Not Available | Not Available | Optional |
| Co-pay - 20% | Not Available | Not Available | Built-in | Built-in | Not Available | Optional |
| 2 Year Policy availability | Available | Available | Available | Optional | Optional |
**Last Updated on April, 2021
Sample Premium Illustration of Health QuBE
To get a better idea of how much premium one needs to pay under this plan, take a look at the below example.
Suppose, a man (30 years old) and his wife (25 years olds) decided to buy the Health QuBE plan for a 1 years policy term with a sum insured of Rs. 5 Lakhs. Have a look at a below graph to understand how the premium payable varies under different variants:
-
Arogya Sanjeevani Policy
Raheja QBE's Arogya Sanjeevani Health plan offers coverage up to Rs. 5 Lakhs and allows the policyholder to secure their healthcare needs with affordable premiums. Under this plan, one can cover themselves as well as their spouse, dependent children, parents, and parents-in-law.
Eligibility Criteria:
| Entry Age | For Adults: From 18 Years to 65 Years
For Child: From 3 Months to 25 Years |
| Sum Insured (in Rs.) | Minimum Sum Insured INR 1 Lakh
Maximum Sum Insured INR 5 Lakhs, and in the multiple of INR 50,000/- |
| Policy Period | 1 Year |
**Last Updated on April, 2021
What Is Covered Under Arogya Sanjeevani Policy?
| Parameters | |
| Day Care Treatments | Covered |
| Pre-Hospitalization | Covered, up to 30 days |
| Post-Hospitalization | Covered, up to 60 days |
| Cataract Treatment | Up to 25% of Sum insured or Rs.40,000/-, whichever is lower, per eye, under one policy year |
| AYUSH Treatment | Covered |
| Cumulative bonus | Available. For every claim-free year, there will be an increase in the sum insured by 5% subject to a maximum of 50%. |
| Road Ambulance | Covered up to Rs. 2000/- Per Hospitalisation |
| Co-Pay | 5% co-pay on all claims |
| Advance Procedure | Procedures covered are
Uterine Artery Embolization and HIFU Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy - Monoclonal Antibody to be given as an injection
Intra Vitreal Injections Robotic Surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty
The vaporisation of the Prostrate (Green laser treatment or holmium laser treatment)
IONM (Intra Operative Neuro Monitoring)
Stem Cell Therapy (Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered) |
**Last Updated on April, 2021
-
Health QuBE Super Top-Up
Have you ever imagined yourself in a situation where the coverage of your health insurance plan expires and you have nowhere to go? Raheja QBE Super Top-Up fulfils all your healthcare needs at the time of a medical emergency when your basic health plan is exhausted. The plan does not require medical check-up required up to the age of 55 years.
Eligibility Criteria:
| Entry Age | For Adults: From 18 Years to 65 Years
For Child: From 91 Days to 25 Years |
| Sum Insured (in Rs.) | Up to Rs. 1 Crore |
| Policy Period | 1/2/3 Year |
**Last Updated on April, 2021
What is Covered Under Health QuBE Super Top-Up Policy?
| Parameters | |
| Day Care Treatments | Not Covered |
| Pre-Hospitalization | Covered, up to 60 days |
| Post-Hospitalization | Covered, up to 90 days |
| Donor's Medical Expenses | Covered, up to Rs. 2 Lakhs |
| Domiciliary Hospitalization | Covered, up to Rs. 50 Thousand |
| AYUSH Treatment | Covered |
| Cumulative bonus | Available. For every claim-free year, there will be an increase in the sum insured by 10% subject to a maximum of 50% |
| Restoration Benefit | Available |
| Renewability | Life-long |
**Last Updated on April, 2021
-
Cancer Insurance
Rahjeja's QBE Cancer Insurance relieves the policyholder from bearing the high costs of cancer treatment and provides comprehensive coverage for all stages of cancer. Sum insured options starting from Rs.1 Lakh and in multiples thereof subject to a maximum of Rs. 10 Lakhs available under this policy.
In case an insured is diagnosed with Cancer and requires treatment, then the company will pay:
- 50% of the Sum Insured or Rs. 250,000.00 whichever is less, as a lump sum amount on the acceptance of a claim under the Policy; and
- Reasonable charges for medical expenses incurred by the insured during the medical treatment of Cancer, in excess of 75% of the benefit amount paid as a lump sum as stated above.
-
Individual Accident Policy
Raheja QBE's Individual Personal Accident Insurance offers coverage to you and your family and supports them financially in case of unforeseeable accidents and mishaps. The policy provides coverage against:
- Accidental Death
- Permanent Total Disablement
- Permanent Partial Disablement
- Temporary Total Disablement
Features:
- The plan offers the compensation benefit that solely depends on the nature of the accident.
- Actual costs incurred on transporting the Insured's mortal remains and for funeral expenses are covered under the plan subject to a maximum limit of the lower of 1% of the Sum Insured or Rs. 2500.
- The plan offers compensation up to 2% of the sum insured in case of loss of employment due to permanent total disablement following an Accident.
-
Hospital Daily Cash-Group
Along with hospitalization expenses, many miscellaneous expenses are not covered under a health plan and can cause a financial crunch. To help you in this situation, the company comes up with a Hospital Daily Cash policy to cover inadmissible expenses.
Who can Take this policy?
- Employer-Employee Group
- Non-Employer - Employee Group
- Minimum Group Size - 7 Lives
Features:
- A daily cash benefit will be paid in the case of hospitalisation due to sickness, and the amount will be given twice the daily limit if the insured is admitted to the ICU.
- In case of accidental death, the daily benefit limit is increased to ten times with a maximum of up to Rs.10,000.
- The plan comes with several optional covers such as Day Care Procedure Cash, Convalescence benefit, loss of income, International Emergency Benefit, etc.
-
Pravasi Bhartiya Bima Yojna
Under the Emigration Act, the Pravasi Bhartiya bima yojana is an insurance policy for all Indian citizens who are planning to emigrate to foreign countries. You can now insure your travel plans and stay secured on your travels across 7 continents. The insurance provides travellers with coverage against personal accidents, medical emergencies, and more.
Eligibility Criteria:
| Entry Age | The minimum age for an adult is 18 years, and the maximum age for a child is up to 21 Years. |
| Policy Period | 2 years & 3 years |
**Last Updated on April, 2021
Features:
- The plan covers the hospitalisation expenses of the insured and his family.
- Provides repatriation cover for insured for Medical Emergency and 'Employment Emergency'.
-
Corona Kavach Policy
As per the new guidelines of IRDAI, it is mandatory for every insurer to offer corona-specific health policies. Corona Kavach policy offers coverage against the expenses that arise at the time of COVID-19 treatment. One can file a claim if they are hospitalized for COVID-19 after testing positive at a government-authorized diagnostic centre.
Eligibility Criteria:
| Minimum Entry Age | 18 years |
| Sum Insured | Rs, 50,000 to Rs. 5,00,000 |
| Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on April, 2021
Features:
- Under this plan, one can get coverage for the treatments under Ayurveda, Unani, Siddha, Yoga, and Homeopathy.
- One can opt for Individual or Family Floater coverage and can cover self, legally wedded spouse, dependent children, parents, and parents-in-law.
-
Group Corona Kavach Policy
With Raheja's Group Corona Kavach Policy, one can ensure their employees or members and can offer them protection against the hospitalization expenses related to Coronavirus medical treatment. Along with the coverage, an insured can also avail daily cash allowance for hospitalization for up to 15 days.
Eligibility Criteria:
| Entry Age | For Adults: 18 years-100 years |
| Sum Insured | Rs, 50,000 to Rs. 5,00,000 |
| Policy Period | 105 days, 195 days, and 285 days |
**Last Updated on April, 2021
-
Group Health Insurance Policy
Group Health Insurance policy by Raheja QBE is specially designed to provide comprehensive coverage to a particular group. The plan comes with several add-on covers such as Super Top Up, maternity, AYUSH, air ambulance, assistance services, home healthcare, and critical illness.
An employer can cover its employees as well as its family members.
-
Group Personal Accident Policy
Group Personal Accident Insurance policy offers financial compensation to the insured and his family for an injury or death arising out of an accident. The plan offers coverage in 4 scenarios that are: Accidental Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.
-
Group Premier Personal Accident Policy
Raheja QBE Group Premier Personal Accident Policy is a comprehensive personal accident policy, that covers large as well as small-sized groups, and offers complete flexibility to design a cover suited to the requirements of group members. The policy provides comprehensive coverage like Accidental Death, Permanent Total Disability, Permanent Partial Disability, and Temporary Total Disability.
The add-on cover available under the plan are:
- In-Patient hospital medical expenses
- Outpatient medical expenses
- Burns
- Broken bones
- Dependent child education benefit
- Repatriation of mortal remains
Staff is really polite and good and educated not like other insurance companies. Dont disturb with so many calls and available at the time of help