Every individual has diverse needs when it comes to insurance. Raheja QuBE gives you the freedom to choose the best health insurance cover that suits your requirements. The company offers extensive and exclusive health coverage through its customised insurance plans. Raheja QBE Health Insurance Plans are tailor-made to match your requirements. There are 4 Health QuBE plans offered by the company: Basic Plan, Comprehensive Plan, Super Saver Plan, and A-La-Carte Plan. In this article, we will discuss Raheja Health QuBE Super Saver Plan in detail.
Raheja QBE is a combined venture of Rajan Raheja Group and Australia’s second-largest insurer QBE Insurance. The company offers a cashless facility through more than 5000 network hospitals and provides quick responses to customer queries. The company is known for its hassle-free processes and simple products and communication.
Raheja Health insurance plans provide comprehensive coverage for you and your family and help you safeguard your finances. Some key highlights of health QuBE plans are.
Option of individual and family floater available with all plans.
Free annual health check-ups as per the policy (irrespective of the claim).
The basic sum insured can be restored once in a policy year if it gets exhausted.
If the sum insured is increased during cashless hospitalisation, deductions in the claim amount are 10% less.
All the plans are lifelong renewable.
Medical expenses for the organ donor are also covered as per the policy.
A no-claim bonus of 5% of the basic sum insured per policy is available.
Tax benefits, as per the tax laws, can be availed against the premium paid for the policy.
Raheja Health QuBE Health Super Saver Plan protects you against soaring medical expenses. It is a variant of the Raheja QuBE health plans. The plan offers an inbuilt 20% co-payment, organ donor benefits, restoration benefits, medical check-up facility and non-medical expenses as per the sub-limit.
Here is an analysis of the plan with the plan features.
Raheja Health QuBE Super Saver Plan offers the following cover benefits upto 50 lakhs sum insured.
Inpatient hospitalization expenses are covered.
Room rent is covered upto 1 % of sum insured
ICU charges are covered upto 2% of sum insured
Doctor fees are covered upto 25% of sum insured
Pre hospitalization charges are covered for 30 days( 1 to 2 lakhs sum insures) and 60 days (3 to 50 lakhs sum insured)
Post hospitalization charges are covered for 60 days (1 to 2 lakhs sum insured) and 90 days (3 to 50 lakhs sum insured)
Ambulance charges are covered upto ₹ 2500
Daily allowance of ₹ 500 is available with 1 to 2 lakhs sum insured.
Organ donor benefit is 20% of the sum insured for 3 to 50 lakhs sum insured.
Sum insured can be restored.
Non-medical expenses are covered as per the sub-limits for 3 to 50 lakhs sum insured.
Sum insured increase is available upto 10% on cashless claim payment
Domiciliary hospitalisation is covered upto ₹ 1.5 lakhs.
A no-claim bonus of 5% is available for a claim-free policy year.
In case of hospitalisation, the policyholder or the insured has to give a written or on call notification to the company. For emergency hospitalisation, the company should be notified within 48 hrs of hospitalisation or before the discharge, whichever is earlier. For planned hospitalisation, the company should be notified 48 hrs before the hospitalisation, and the following details should be provided at the time of the notification:
Policy Number
Policyholder’s Name
Name of the insured person for whom the claim is being made
Address and contact number of the insured
Nature of illness or injury
Name and address of the hospital and the treating doctor
Date of admission( emergency hospitalization), or date or proposed admission (planned hospitalisation)
Any other detail or document required by the company.
Cashless facility is only available at the network hospitals and this facility can be availed at the time of admission by presenting a health membership card or number provided by the insurer under the policy along with a valid photo Id. In addition to providing all the details, follow the procedure given below to avail of cashless facility.
Pre-authorization - The policyholder requests authorisation for the proposed treatment by submitting a completed pre-authorization form at least 48 hrs before the hospitalisation.
After receiving the pre-authorization form, the company verifies all the information and processes the request. The company confirms the acceptance or rejection of the request in writing.
On acceptance, the hospital bills are paid as per the policy terms and the sum insured. All the relevant documents and details shall be provided to the network provider before the discharge.
On rejection due to the insufficient sum insured or insufficient information, the hospital bills have to be paid by the policyholder. However, the policyholder can request a reimbursement claim from the company.
The policyholder should notify the company 48 hrs before planned hospitalisation or 48 hrs after emergency hospitalisation. All the required documents and details should be provided to the company within 15 days of discharge from the hospital. Once all the documents are received, the company will verify and process the reimbursement request. On approval, the reimbursement amount shall be paid to the policyholder.
The documents listed below needs to be submitted within 15 days of discharge from the hospital.
Claim form duly filled and signed
Original medical bill, discharge report from the hospital/doctor
Medical test reports and payment receipts
Medicine bills
Doctor’s prescription advising hospitalisation
Any additional document required by the company
Without health insurance, it is difficult to manage medical expenses these days. A sudden hospitalisation or accident can drain a major part of your savings. To protect your finances and to avail best medical facilities, health insurance is a must and therefore, you should evaluate the following factors before buying a health insurance plan.
Raheja health insurance offers many health insurance policies with varying features, thus having a plan for every need. Raheja health QuBE Super Saver plan offers all the benefits of the basic plan at a discount with an option to pay a 20% co-pay. The plan offers flexibility in terms of coverage and affordability in terms of cost.
