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Raheja QBE Health Insurance is offered by Raheja QBE General Insurance Company Limited, a general insurance company registered with the IRDAI under Registration No. 141. The company provides a range of health insurance solutions designed to meet different healthcare and financial protection needs. Its health portfolio includes Health QuBE, Health QuBE Super Top Up, Arogya Sanjeevani and Health Bharosa, along with group health insurance products for organisations and their employees.
Health QuBE Sum Insured: ₹1 lakh to ₹50 lakh across the available plan variants.
Adult Entry Age: 18 years to 65 years under Health QuBE.
Child Entry Age: 90 days to 25 years.
Family Floater: Up to 6 family members can be included under Health QuBE.
Room Rent: 1% of the sum insured per day under the Basic, Super Saver and A-La-Carte plans; the Comprehensive plan has no room-rent limit.
ICU Charges: 2% of the sum insured per day under the Basic, Super Saver and A-La-Carte plans; the Comprehensive plan has no ICU limit.
Pre-Hospitalisation: 30 days for ₹1 lakh to ₹2 lakh sum insured and 60 days for ₹3 lakh to ₹50 lakh sum insured; the Comprehensive plan allows 60 days.
Post-Hospitalisation: 60 days for ₹1 lakh to ₹2 lakh sum insured and 90 days for ₹3 lakh to ₹50 lakh sum insured; the Comprehensive plan allows 90 days.
Organ Donor Benefit: Up to 20% of the sum insured under eligible Health QuBE variants.
Daily Allowance: ₹500 per day under eligible Health QuBE variants.
Cashless Sum Insured Increase: 10% of the paid claim amount is added back to the sum insured after eligible cashless treatment.
Restore Benefit: 100% of the original sum insured can be restored once during the policy year after exhaustion of the available cover.
No Claim Bonus: The sum insured can increase by 5% for each claim-free policy year, up to 100% under the applicable Health QuBE structure.
Policy Term: A 2-year policy option is available under eligible Health QuBE variants.
| Plan | Eligibility / Sum Insured | Key Details |
|---|---|---|
| Health QuBE | 90 days to 65 years; ₹1 lakh to ₹50 lakh | Available in Basic, Comprehensive, Super Saver and A-La-Carte variants. Family floater cover is available for up to 6 members. |
| Health QuBE Super Top Up | 90 days to 65 years; ₹2 lakh to ₹1 crore | Additional health cover that works above a selected deductible. Deductible options range from ₹1 lakh to ₹50 lakh. |
| Arogya Sanjeevani Policy | 90 days and above; ₹50,000 to ₹10 lakh | Standard health insurance product available on individual and family floater basis. |
| Health Bharosa | 1 day to 65 years; ₹4 lakh and ₹5 lakh | Health cover specifically structured for persons with physical or mental disabilities and people living with HIV/AIDS. |
The available add-ons depend on the product and variant. Under the Health QuBE A-La-Carte plan, the insurer specifically lists two optional covers:
Removes the applicable sub-limits on room rent and/or doctor charges for an additional premium.
Allows the policyholder to opt for a 20% co-payment arrangement in exchange for the applicable premium structure.
For group health products, additional covers can include organ donor cover, maternity, baby day-one cover, and pre- and post-natal expenses, subject to the terms of the relevant group policy.
The current Health QuBE policy wording specifies the following waiting periods:
30 days from the first policy commencement date for illnesses. Claims arising from covered accidents are excluded from this waiting period.
36 months of continuous coverage from the inception of the first policy.
24 or 36 months, depending on the condition or procedure listed in the policy wording.
Waiting periods apply afresh to the increased portion of the sum insured when the cover is enhanced.
The exact condition-wise waiting period should be checked in the policy wording because the specific-disease list contains separate 24-month and 36-month categories.
Basic, Comprehensive, Super Saver and A-La-Carte let customers choose between standard limits, wider limits, a co-payment-based option and a modular structure.
Health QuBE goes up to ₹50 lakh, while the Super Top Up extends the available cover to ₹1 crore.
Health Bharosa is specifically structured for persons with disabilities and people living with HIV/AIDS rather than being a generic medical policy.
Health QuBE allows a choice of third-party administrator, giving customers an additional servicing option.
Eligible Health QuBE variants can be purchased for two years, rather than restricting the policy term to one year.
An eligible cashless claim can result in an additional 10% of the paid claim amount being added to the sum insured.
The insurer supports online policy issuance and claim registration for Health QuBE.
Buying a Raheja QBE policy through Coverfox lets you assess its premium and coverage alongside health plans from other insurers before making a purchase.
Step 1: Enter your details: Provide information such as your age, city and the family members you want to insure.
Step 2: Compare available plans: Review the sum insured, room-rent limits, waiting periods, co-payment, exclusions and premium across the available policies.
Step 3: Select the policy: Choose the Raheja QBE plan and coverage amount that match your requirements.
Step 4: Complete the proposal: Enter the required personal and health information in the online proposal form.
Step 5: Review the quote: Check the premium, selected cover, policy term and applicable add-ons before payment.
Step 6: Pay online: Complete the premium payment through the available online payment options.
Step 7: Receive the policy: Once the proposal is accepted and the insurer completes the required checks, the policy document is issued digitally.
Cashless Network Hospitals: 5,000+ hospitals across India.
Hospital Locator: Raheja QBE has an online hospital locator where customers can search for participating hospitals by state and city.
Cashless Facility: Eligible treatment at a network hospital can be processed through the cashless facility after the required authorisation.
Cashless Claim Approval: The insurer states that initial cashless requests are authorised within 1 hour, while final bills are authorised within 3 hours, subject to the applicable claim conditions.
TPA Network: Health QuBE claims are registered through the insurer's authorised TPAs, with the applicable TPA details available for customers during the claims process.
Customer Care: 1800 102 7723
Website: Raheja QBE official website
Email: customercare@rahejaqbe.com
Address: Fulcrum, 501 & 502, A Wing, 5th Floor, International Airport Project Road, Sahar, Andheri East, Mumbai - 400059.
Health QuBE has a sum insured range of ₹1 lakh to ₹50 lakh. The Health QuBE Super Top Up goes up to ₹1 crore, with deductible options from ₹1 lakh to ₹50 lakh.
Yes. Cashless treatment is available at the insurer's network hospitals, subject to pre-authorisation and the terms of the selected policy. Raheja QBE states that initial cashless requests are authorised within 1 hour.
The current Health QuBE policy wording specifies a 36-month waiting period for pre-existing diseases. Portability credits can reduce the applicable waiting period to the extent of prior continuous coverage, subject to IRDAI rules and policy conditions.
The specific waiting period is 24 or 36 months, depending on the disease, surgery or treatment listed in the policy wording. The exact condition should be checked against the applicable list.
Yes. Health QuBE is available on a family floater basis and can include up to six family members. The minimum sum insured for a family floater starts at ₹2 lakh.
Yes. The Health QuBE Super Saver plan has a 20% co-payment, while the A-La-Carte plan allows the customer to select a 20% co-payment option as an add-on.
The network hospital list can be checked through the Raheja QBE hospital locator. Customers can search for hospitals by selecting the relevant state and city.
Yes. Raheja QBE provides online renewal facilities for eligible health insurance products. The renewal option is available through the insurer's website, where the existing policy details can be used to proceed with renewal.
For Health QuBE, Health QuBE Super Top Up, Arogya Sanjeevani and Group Health Insurance claims, customers are directed to the insurer's authorised TPAs for claim registration. The relevant TPA contact details are available through Raheja QBE's health claims page.
Health insurance premiums can qualify for deductions under Section 80D of the Income Tax Act, subject to the applicable tax rules and limits.
Policyholders can use Raheja QBE's online policy servicing facilities or contact customer care for assistance with policy status, servicing requests and other policy-related information.
