Raheja QBE General Insurance

Raheja QBE General Insurance Company is a joint venture between the QBE Holding (AAP) Pty Ltd a wholly owned subsidiary of QBE Insurance Group Limited, Australia and Prism Johnson Limited of Rajan Raheja Group. Raheja group's success and experience and QBE's global expertise in insurance makes for a great combination.

QBE has been given A+ credit rating by Standard & Poor’s Insurance Financial Strength

The Certificate of Registration (Forms IRDA/R3) has been issued by IRDA on 12.12.08.The Head office of the company is situated in Mumbai.

Raheja QBE General Insurance Company Overview

Vision and Mission of Raheja QBE General Insurance

Raheja QBE (RQBE) vision is to be the first choice for customers and investors.

Raheja QBE General Insurance Company offers

Raheja QBE offers a host of insurance products under Personal and Corporate Insurance.

In terms of Personal Insurance, Raheja QBE offers:

Accident Personal Insurance
Cattle Insurance
Domestic Property Insurance
Health Insurance

Under Corporate Insurance, Raheja QBE offers:

Accident Corporate Insurance
Commercial Packages
Commercial Property Insurance
Construction & Engineering Insurance
General Liability
Maine Insurance
Motor Insurance
Professional Liability
Workers Compensation
Miscellaneous

Claims Ratio for Financial Year 2017-18:

Motor: 114.53%
Health: 18.19%

Products and Services by Raheja QBE General Insurance Company

Health Insurance

Health Insurance Policy by Raheja QBE

Raheja QBE Health QuBE plan provides for health cover for you and your family so you can pay for expensive medical expenses and receive good care on your road to recovery. The policy can be customised to match your individual requirements. The policy has sum assured from INR 1 lakh to INR 50 lakhs.

Coverage: This policy can be taken as an individual or family floater basis.

Family floater covers maximum of 2 adults and 2 children.

The premium will be calculated considering the age of the eldest member under the family floater policy. The policy covers all the persons from the ages of 90 days to 65 years. The maximum entry age is limited to 65 years. The minimum adult entry age for dependents is 18 years and the maximum entry age is 65 years.

Children up to 90 days until 5 years can only be covered provided either of his/her parent or legal guardian is insured under the same family floater policy.

Maximum age for Children to be insured under the policy is 17 Years.

You can have lifelong renewals under this policy.

The sum assured available under this plan ranges from Rs.1 Lakh to Rs.50 Lakh.

Variants offered by the Policy

The policy has following four variants. You can select a different variant/plan on renewal of policy.

Basic Plan: This is a basic plan covering health insurance benefits. The plan cannot be enhanced with add-on covers.
Comprehensive Plan: This plan contains in-built health insurance benefits and can be enhanced with sub limit waiver add-on cover.
Super Saver Plan: This plan also contains in-built health insurance benefits and can be enhanced with co-pay add-on cover.
A La Carte Plan: This plan contains in-built health insurance benefits and is flexible for enhancing add-on covers available depending on your individual requirements.

Cancer Insurance

With easy access to technology and lot of awareness, various types of cancer can be detected early and be treated effectively. Therefore, the Cancer Insurance offered by Raheja QBE provides substantial financial support so that you can be adequately treated in time, allowing you not only to lead a normal life after cancer but also with no worries.

It will cover the following:

The Individual in the age group of 1 day to 70 years can opt for insurance cover.
If the insured is diagnosed with Cancer and this requires diagnostic investigation or treatment by a duly qualified medical practitioner or surgeon, this policy will pay:
a) 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
b) reasonable and necessary medical expenses actually incurred by the Insured in the diagnostic investigation or medical treatment of Cancer, in excess of 75% of the amount paid as a lump sum as stated above.

However, reimbursement of medical expenses will be based on submission of original bills only.

Personal Accident Insurance

Raheja QBE’s Personal Accident Insurance provides you and your family protection against the financial costs of unexpected accidents. The policy has defined benefits for the nature of the injury sustained by the insured in an accident during the policy tenure.

The policy plan has three different options to choose which are mentioned below. The compensation benefits depend on the nature of the injuries as mentioned below:

Accidental Death
Accidental Death, Permanent Total Disablement & Permanent Partial Disablement
Accidental Death, Permanent Total Disablement, Permanent Partial Disablement & Temporary Total Disablement

Additional benefits which can be availed for extra premium:

Medical expenses extension
Hospital confinement allowance

Commercial Insuranace

Raheja QBE Commercial Packages Policy

This policy is made to cater complete insurance requirements of your office assets. A single package policy will provide complete protection against a number of contingencies. Raheja QBE’s office package corporate policy provides coverage for the following:

Electronic Equipment
Burglary
Money Insurance (Money in Transit)
Business Interruption (Fire & Allied perils)
Personal Accident
All Risk Insurance
Fidelity Guarantee Insurance

However, it does not cover for losses or damages caused by or consequent to any of the following under any sections:

Accidental External means
Sonic bangs
Public Authority
War Risks
Pollution and/or Contamination
War Risks
Gradually occurring losses

Raheja QBE Commercial Property

Raheja QBE Commercial Property offers diversified insurance options like:

All Risk policy

The policy will cover the following:

All movable equipment like laptops, handy-cams, mobile phones, camera etc. are covered under this policy. However, it shall not cover items which remain confined to your own home. This policy will cover items which are exposed not only to natural perils but also to theft, snatching, etc.
The policy will cover strike, fire, riot, housebreaking, theft, accidental loss or damage, and burglary.

The policy does not cover the following:

Damage or loss by any fault existing at the time of commencement of the present insurance.
Damage or loss to the hired or rented property for which the owner is responsible.
Any damage or loss to money, securities, manuscripts, deeds, bonds, bills of exchange, promissory etc.
War or warlike situation is not covered.
Legal liability or consequential loss of any kind.

Burglary Insurance

With Burglary insurance from Raheja QBE, one can provide financial support against loss or damage to property contained in your premises by acts of Burglary and or Housebreaking.

The policy covers the following:

Property accommodated in your premises, goods/stocks owned in trust and /or commission. It will also cover cash, valuables and securities which are kept in a locked safe or cash box in locked steel cupboard on specific request.
It will also cover damage to your premises caused by burglars during burglary or attempts at burglary.
The USP of this policy is that it pays actual loss/damage to your insured property caused by burglary/house breaking subject to the limit of Sum Insured and in case the sum insured is not adequate, policy pays only proportionate loss. The policy does not cover the following:
Damages caused due to War perils, Riot & Strike (covered by payment of additional premium), Acts of God and Nuclear perils.
The goods which are held in trust/commission, title deeds, jewellery, etc.

Consequential Loss (Fire) Insurance

The consequential loss insurance offered by Raheja QBE will provide coverage to the financial loss suffered due to interruption of business operations whilst the damaged property is being repaired or replaced. That means it offers solution by covering profit lost due to reduction in turnover arising from interruption of business following damage to the property insured.

What is covered?

This policy is specifically made to protect your balance sheet from an adverse consequence arising out of an interruption to your business from a peril covered under your Fire (Material Damage) Policy.

What is not covered?

This policy will not cover a loss that is not admissible under a Fire (Material Damage) Policy. It will also not cover any loss due to the act of foreign enemy, war, invasion etc.

Fire Insurance

The Standard Fire and Special Perlis Insurance will cover movable and immovable properties on land (which excludes the cost of land). This policy, in turn, protects your financial investment in your assets that includes plant and machinery, building, stocks and other contents if they are damaged due to any of the below risks.

It covers the following:

Fire	Aircraft Damage	Any Impact Damage due to Rail, Road, Animal
Lightning	Riot, Malicious Damage, Strike,	Subsidence and Landslide including a Rockslide
Explosion/Implosion	Storm, Typhoon, Hurricane, Tornado, Flood Inundation	Bursting and overflowing of the water tanks, apparatus and pipes
Missile Testing Operations	Leakage from Automatic Sprinklers and Installations	Bush Fire

However, the policy does not cover the following:

Fire due to own, natural heating, fermentation and spontaneous combustion	Stocks undergoing drying process or heating	Explosion of boilers or steam generating vessels and machinery subject to centrifugal force by its own explosion or implosion
Total or partial cessation of work/retarding/ interrupting any process or operations arising out of the insured perils	Impact damage by vehicles belonging to you or your employees or any other occupier of the premises	Loss or damage to electrical machine/apparatus which is the source of fire
Earthquake	Policy Excess i.e. This is the first amount of any claim that you have to bear	Any consequential loss i.e. business loss

Industrial All Risks Policy

The Industrial Risk Policy provided by Raheja QBE provides financial compensation for accidental damage or loss to your stock and building, plant, machinery etc. The Industrial Risk policy is a comprehensive policy and will provide coverage to your assets from unforeseen circumstances. The risk will include:

Section I (Material Damage)	Section II (Business Interruption)
Fire and special perils	Loss of profit due to machinery loss of profit (optional)
Burglary	Loss of profit other than machinery loss
Earthquake
Machinery breakdown, boiler explosion, breakdown of electronic equipment

The Industrial Risk Policy provided by Raheja QBE does not cover the following:

A Property not covered under this policy will include any property undergoing alteration/repair/testing, installation or servicing, undergoing any process.
Property in transit other than within the premises specified in the Schedule.
Land, driveways, pavements, roads, runways, railway, etc.
Damage to the property being insured by any marine policy.
The policy will also not cover damage to the property insured caused by corrosion, rust extremes or changes in temperature, dampness, dryness, wet or dry rot fungus, shrinkage, evaporation, loss of weight pollution.
faulty or defective design materials or workmanship inherent vice latent;
Interruption of the water supply, gas, electricity or fuel systems.

Marine Insurance

Marine Cargo -Specific Transit

The Marine Cargo- Specific plan offered by Raheja QBE provides coverage to all the marine goods like machinery, raw materials, finished goods etc. during transit under a contract of affreightment. The policy specifically covers loss or damage to insured goods during transits by (a) Sea (b) Post or parcels (c) Rail/Road/Air.

All Overseas Transits are subject to Institute Cargo Clauses A, B & C given by Institute of London Underwriters. The brief coverage is as under:

Risk	Institute Cargo Clauses
(Proximate Cause)	A	B	C
	(All risk Cover)	(Wider Cover)	(Basic Cover)
Stranding, Grounding, Sinking or Capsizing	Yes	Yes	Yes
Overturning or Derailment of Land Conveyance	Yes	Yes	Yes
Collision of Ship or Craft with another Ship or Craft	Yes	Yes	Yes
Contact of Ship, Craft or Conveyance with anything other than	yes	Yes	Yes
Ship or Craft (excludes Water but not Ice)
Discharge of Cargo at Port of Distress	Yes	Yes	Yes
Loss overboard during Loading/Discharge (total loss only).	Yes	Yes	No
Fire or Explosion	Yes	Yes	Yes
Malicious Damage	Yes	*No	*No
Theft/ Pilferage	Yes	No	No
General Average Sacrifice	Yes	Yes	Yes
Jettison	Yes	Yes	Yes
Washing Overboard (deck cargo)	Yes	Yes	No
War Risks	No*	No*	No*
Seawater entering Ship, Craft, Hold,	Yes	Yes	No
Conveyance Container Lift Van or Place of Storage
River or Lake Water entering same	Yes	Yes	No
* Can be bought back

Marine Open Policy Corporate

The Marine Open Policy Corporate offered by Raheja QBE provides coverage to marine goods machinery, raw materials, finished goods etc. during transit under a contract of affreightment. The policy also covers physical loss or damage to insured goods during transits by (a) Sea (b) Post or parcels (c) Rail/Road/Air. The scope of cover shall be determined by the Institute Clauses attached to the Policy.

All Overseas Transits are subject to Institute Cargo Clauses A, B & C given by Institute of London Underwriters. The brief coverage is as under:

Risk	Institute Cargo Clauses
(Proximate Cause)	A	B	C
	(All Risk Cover)	(Wider Cover)	(Basic Cover)
Stranding, Grounding, Sinking or Capsizing	Yes	Yes	Yes
Overturning or Derailment of Land Conveyance	Yes	Yes	Yes
Collision of Ship or Craft with another Ship or Craft	Yes	Yes	Yes
Contact of Ship, Craft or Conveyance with anything other than	Yes	Yes	Yes
Ship or Craft (excludes Water but not Ice)
Discharge of Cargo at Port of Distress	Yes	Yes	Yes
Loss overboard during Loading/Discharge (total loss only).	Yes	Yes	No
Fire or Explosion	Yes	Yes	Yes
Malicious Damage	Yes	No*	No*
Theft/ Pilferage	Yes	No	No
General Average Sacrifice	Yes	Yes	Yes
Jettison	Yes	Yes	Yes
Washing Overboard (deck cargo)	Yes	Yes	No
War Risks	No*	No*	No*
Seawater entering Ship, Craft, Hold,	Yes	Yes	No
Conveyance Container Lift Van or Place of Storage
River or Lake Water entering same	Yes	Yes	No
* Can be bought back

This plan does not cover the following:

Delay
Civil Commotion
Inherent vice
Ordinary leakage/loss in weight or volume, wear and tear

Marine Stock Turnover

The Marine Stock Turnover plan offered by Raheja QBE covers goods, machinery, raw materials, finished goods etc. during transit under a contract of affreightment. It also covers physical loss or damage to insured goods during transits by (a) Sea (b) Post or parcels (c) Rail/Road/Air. The scope of cover shall be determined by the Institute Clauses attached to the Policy. All Overseas Transits are subject to Institute Cargo Clauses A, B & C given by Institute of London Underwriters. The brief coverage is as under:

Risk	Institute Cargo Clauses
(Proximate Cause)	A	B	C
	(All Risk Cover)	(Wider Cover)	(Basic Cover)
Stranding, Grounding, Sinking or Capsizing	Yes	Yes	Yes
Overturning or Derailment of Land Conveyance	Yes	Yes	Yes
Collision of Ship or Craft with another Ship or Craft	Yes	Yes	Yes
Contact of Ship, Craft or Conveyance with anything other than	Yes	Yes	Yes
Ship or Craft (excludes Water but not Ice)
Discharge of Cargo at Port of Distress	Yes	Yes	Yes
Loss overboard during Loading/Discharge (total loss only).	Yes	Yes	No
Fire or Explosion	Yes	Yes	Yes
Malicious Damage	Yes	No*	No*
Theft/ Pilferage	Yes	No	No
General Average Sacrifice	Yes	Yes	Yes
Jettison	Yes	Yes	Yes
Washing Overboard (deck cargo)	Yes	Yes	No
War Risks	No*	No*	No*
Seawater entering Ship, Craft, Hold,	Yes	Yes	Yes
Conveyance Container Lift Van or Place of Storage
River or Lake Water entering same	Yes	Yes	No
* Can be bought back

This policy will not cover the following:

Inherent vice
War, Strike, Riot and Civil Commotion
Ordinary leakage/loss in weight or volume, wear and tear
Willful misconduct
Improper packing

Construction & Engineering insurance

Raheja QBE offers a couple of plans under Construction & Engineering.

Boiler Pressure Plant Insurance

This policy covers damage other than by fire, to boilers & pressure plant, damage to surrounding property, Third Party legal liability arising due to explosion and collapse of the boiler/ pressure plant during its normal course of working.

It will cover the following:

damage to the boilers & pressure vessels;
damage to surrounding property, up to fixed limits, arising due to explosion & collapse of the pressure plant during the normal course of working; and
Third party legal liability, up to fixed limits, arising due to death or bodily injury to third parties. It does not cover the following:
Loss or damage for which the manufacturer or supplier or repairer of the property is responsible either by law or under contracts.
Fire, lightning, inundation, flood, storm, earthquake, subsidence, landslide, chemical explosion, burglary, and theft impact by land borne/waterborne craft.
The failure of individual tubes in boilers of the water tube locomotive or other multitubular types, in super heaters or in economizers.
Willful acts or gross negligence on the part of you or your representatives.

Electronic Equipment Insurance

Raheja QBE offers Electronic Equipment Insurance that covers accidental, unforeseen and sudden physical loss or damage to electronic equipment (Including system software) against sudden & unforeseen physical damage by any cause or peril those are not excluded under the Policy.

It will cover the following:

cyclone, storm and other atmospheric disturbances
flood and water damages
Entry of foreign body, dirt.
Failure of air-conditioning equipment.

However, the policy does not cover the following:

Faults or defect for which the supplier/manufacturer/maintenance contractor is responsible either by law or under contract.
War or warlike operations, nuclear reaction, radiation or radioactive contamination.
Wear and tear, faults or defects existing at the time of commencement of insurance which ought to have been or were known to you.

Erection All Risks Insurance

The Erection All Risks Insurance offered by Raheja QBE will protect your financial investment in a project either as a Principal or as a Contractor. The policy can be taken by you as the Principal, Contractor, and Sub Contractor either individually or jointly.

The policy will cover the following:

The policy offers coverage at various stages the projects including Storage, Erection, Testing, and Commissioning. It is a comprehensive policy that covers damage arising from all unforeseen circumstances subject to certain named exclusions.

The Erection All Risks Insurance offered by Raheja QBE does not offer the below:

War and Nuclear group of perils	Aesthetic Defects, Scratching of Painted or Polished surface, Breakage of Glass	Penalties for non-fulfillment of contractual obligations
Willful Act/ Negligence	Loss or Damage due to Faulty Design, Defective Material or Casting and bad Workmanship (limited to items immediately affected)	Consequential Losses
Inventory Losses	Damage to files, drawings, accounts, bills and currency	Cessation of Work – Partial or Total
Normal Wear and Tear, Gradual Deterioration, Rust	Cost of rectification or correction of any error during erection not resulting in physical loss or damage	Policy Excess - This is the first amount of any claim that you have to bear

Machinery Breakdown Insurance

This insurance plan will cover unforeseen and sudden physical damage to any mechanical and electrical machinery and/or equipment by any cause necessitating repairs and/or replacement.

It specifically covers the following:

short-circuit, disruption, electrical overpressure
Loosening of parts, abnormal stresses, fatigue, centrifugal force, excessive speed.
Obstruction or the entry of foreign bodies.
Defective or accidental lack of lubrication, seizure, water hammer or local overheating.
Failure of operation of safety devices.

This policy does not cover the following:

War or warlike operations, nuclear perils; willful acts or gross negligence on the part of you or your representatives.
Have been or were known to you, faults or defect for which the supplier is responsible either by law or under contract.
wear and tear, faults or defects existing at the time of commencement of insurance which ought to have been or were known to you, faults or defect for which the supplier is responsible either by law or under contract.
Burglary and theft, impact by land borne/water borne craft.

General Liability

The general liability insurance offered by Raheja QBE has various plans like…

Public Liability Insurance

The Public Liability Insurance offered by Raheja will cover the legal liability arising if a third party suffers bodily injury or damage to their property arising out of your business activities, including the actions of you or your employees.

Public Liability Act Insurance

The Public Liability Act Insurance by Raheja QBE is made to protect you against liability arising out of any accident affecting any person(s) occurring while handling hazardous substances as listed in the Gazette notification issued under the Public Liability Act, 1991.

Combined General Liability Insurance

Liability may seem like a straightforward insurance risk today. But changing exposures can lead to unexpected and complex claims with daunting implications in terms of expense, time and reputation. Raheja QBE Combined General Liability policy combines both public and products liability and is the policy coverage purchased by many businesses from medium scale to the largest.

Professional Liability

The Professional Liability insurance plans offered by Raheja QBE is an essential component of risk management. It offers protection to corporations and business professionals that will cover against legal liabilities, the threat of litigation and potential resultant damage. It has plans available for different professionals in verticals like.

Directors & Officers Liability Insurance

The Directors & Officers Liability Insurance offered by Raheja will protect company directors and officers against liability for their wrongful act or omission committed in their capacity as company directors or officers, including but not limited to:

The policy covers:

Negligence	Wrongful misrepresentation
Breach of trust	Breach of fiduciary duty or breach of warranty of authority
Unlawful default including:
out-of-court settlements	defence costs and expenses, and
compensatory damages awarded against the company directors and officers	costs of appointing legal expertise

This policy does not cover:

Prior or pending litigation	Asbestos related liability
Asbestos related liability	Bodily Injury claims
Liability in consequence of any position held by an Insured Person as an Employee Benefit trustees	Liability in consequence of any external positions held by any Insured Persons
Professional Services related claims	Loss arising out of Property Damage
Claims arising out of Securities Offerings	Actions brought by Substantial Shareholders
War & Terrorism	Claims caused unscrupulous behavior of Insured Person(s)

Information and Communication Technology Liability Insurance

The Information and Communication Technology Liability Insurance will cover any professional providing Information & Communication Technology (ICT) which is exposed to claims of a “Professional Indemnity” nature.
However, Information & communication technology means any computer equipment, software, hardware or firmware sold, manufactured, produced, installed, repaired, serviced, treated, supplied, distributed, licensed or shared by the professionals.
Or any service, advice or work provided by the professional in relation to the above; and also, the provision of data processing, data communication services provided by the professionals.

It will cover the following:

Errors and Omissions
- Indemnifies professionals against third party legal liability for any claim in respect of negligent acts, errors or omissions incurred in the provision of information & communication technology services.
- Provides cover for defense costs.
Personal Injury and Property Damage
- Indemnifies professionals against the amounts (including defense costs) which he/she becomes liable to pay by way of third party compensation in respect of personal injury and property damage

It does not cover the following:

Aircraft and watercraft
Faulty workmanship
Radioactivity
Assumed liability
Radioactivity
Vehicles
Pollution
Fines, penalties, and punitive damages
Property in custody and control

Corporate insurance

Medical Malpractice Corporate

The Medical Malpractice Corporate offered by Raheja QBE provides insurance solution for professionals with the confidence to face the challenges of business. This will cover them in case they face civil litigation or criminal prosecution.

This policy will cover:

Compensatory damages awarded against the professionals and
Legal costs and expenses associated with defending legal actions
Settlements

Professional Indemnity Insurance

The Professional Indemnity Insurance offered by Raheja QBE is an unusual one as it covers any professional or consultant that provides advice or other services which is exposed to claims of a "professional indemnity" nature. In literal terms, this plan will cover if a party suffers financial loss after receiving the services or relying on the advice of a professional, he/she may have the right to sue for the loss. However, a professional may even be sued by a client who is merely dissatisfied but has no valid claim.

Commercial Crime

The Commercial Crime insurance policy by Raheja QBE was made to cover fraudulent activities which have grown with the expansion of legitimate Internet use; thus impacting on accounting transactions in accounts receivable, receipts and disbursements, accounts payable, inventories and fixed assets, and financial reporting. This policy addresses the above exposure, helping companies to protect their financial losses arising out of such acts.

Scope of Cover

The Commercial Crime Insurance policy indemnifies the Insured for its loss sustained for:

Fraud or dishonesty committed by any employee (acting alone or in collusion with others)
A fraudulent act committed by any other person.

The Commercial Crime policy offered by Raheja QBE does not cover the following:

Fire
Radioactivity and Nuclear
Stock held or in transit
Violent crime by any individual or organization
Extortion or Kidnap and Ransom
Major Shareholder
Directors/Partners
Fines, Penalties or Damages

Note: The Commercial Crime policy has sub-plans like…

D & O – Excess
Media Liability
Clinical Trials

Workers Compensation by Raheja QBE

This specific policy will protect your liability as an employer for employment injury (including death) of any of your employees who is a ‘workman’ as defined under Workmen Compensation Act.

The policy covers:

The Workers Compensation policy by Raheja QBE will cover any insured employee who may sustain personal injury by accident or disease arising out of and in the course of his employment.

This policy does not cover:

Any injury caused by accident or disease directly attributable to war, invasion, an act of foreign enemy, hostilities (whether war be declared or not), civil war, mutiny, insurrection, rebellion, revolution, military or usurped power.
The Insured’s liability to employees of contractors to the Insured.
Any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement.
Any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and such party.

Miscellaneous Insurance

This insurance covers two plans under Miscellaneous Insurance by Raheja QBE

Money

It will cover ‘Money’ which is carried by the insured or the authorized employees of the insured while in transit from the time it is taken out till received at the destination - points of origin and destination being specified before-hand. The policy will cover the following:

Loss of money in transit, by the insured or the insured’s authorized employee(s), occasioned by Robbery, Theft or any other fortuitous cause.
Loss of money in safe, by Burglary, Housebreaking, Robbery or hold-up.

Fidelity Guarantee by Raheja QBE

This policy covers financial compensation against loss to your business caused by any fraudulent or dishonest act of any employee.

This policy covers the following:

Financial loss suffered by the Insured as a result of fraud/dishonest employees of the insured.
This policy will pay the actual financial loss sustained as a result of the dishonest/ fraudulent act of the employee. However, the amount payable under the policy is subject to adjustments against any salary, commission security deposit or any other money standing to the credit of the fraudulent employee.
The Policy does not pay more than one claim in respect of liability/loss arising out of an individual employee's acts. The loss is payable up to the limit specified for the employee.

This policy does not cover the following:

Inventory losses
Loss arising outside India
Clients with accounting control and auditing system that is not fool-proof.
Caused by an employee after discovery of his previous fraud or dishonesty.
Discovered more than 12 months after the termination either of the guarantee or of the service of employee concerned.
Proposals from clients who have been bankrupt or have been involved with creditors or disclose betting, gambling or other questionable habits

Claim Proces of Raheja QBE General Insurance

Raheja QBE is very much committed to providing excellent claims service to its valued customers to make their company the First Choice Insurer for its customers. Their aim is to provide friendly, fair and timely settlement of all valid claims.

How to Make a Claim

To register a claim you will require the following information.

Policy Number
Date and time of Loss
Location of damaged property
A brief description of the event giving rise to a claim
Name and Contact Number of person handling the claim

Claim Toll Free Number 1800 102 7723 or Mobile Number +91 70453 59601

Email at: claims@rahejaqbe.com

Claim Forms of various products are available on the respective web page on the company website.

FAQs on Raheja QBE General Insurance

What are the exclusions in the personal accident policy?

For complete details, it is advised to refer the policy document. Some of the main exclusions are mentioned below.

Self-injury, suicide, venereal disease or insanity
Influence of intoxicating liquor or drugs
Death due to pregnancy or childbirth
Breach of law with criminal intent
War and nuclear group of perils
On duty with armed forces
Injury/death while participating in adventurous activities
Adventure Sports
Terrorism

Why do I need a health insurance policy?

Today's fast paced lifestyle and rise in spreading of diseases and dangerous viral it is hard to guess when the illness will strike you or your family member. With rising medical care cost, it has become imperative to have health insurance in order to mitigate the sudden financial loss. Health insurance covers the costs of your illness and additionally offers many other benefits. Without Health Insurance you may find it hard to pay expensive medical expenses when you need them the most. Health insurance guards you financially against the huge medical expenses.

What is the exit age in cancer insurance policy?

If the policy has been in continuation without any break then there is no exit age for cancer insurance policy.

How do I Report Mis-Selling by Raheja QBE Insurance?

In case of mis-selling, you can drop an email to complaintsofficer@rahejaqbe.com

Whom do I need to contact in case of Grievance against Raheja QBE Insurance?

One can complain to the IRDAI, who is the statutory body tasked with regulating and promoting the insurance and re-insurance industries in India.

www.igms.irda.gov.in

Or you can drop your complaint to the GRO of the company i.e.:

Mr. Arup Das (email: arup.das@rahejaqbe.com / Phone : +91 22 42313606)

What is the Customer Service number & Mailing Address of Raheja QBE Insurance?

The Customer service number is 1-800-102- (RQBE) 7723 which is their toll-free number. Their mailing address is:

5th Floor, Windsor House,

CST Road, Kalina

Santacruz (East), Mumbai 400098 – India

Telephone: 022-42313888 / Fax: 022-42313777

How do I locate the branch address of Raheja QBE Insurance?

Branch	Contact Person	Address	Contact Number	Email
Hyderabad	Sabyasachi Mohanty	Office No. 107, DBS Business Centre, DBS House, 43-46, Sardar Patel Road, Secunderabad - 500003	+91 9985688855	sabyasachi.mohanty@rahejaqbe.com
Chennai	Srinivasan Rangarajan	200/1,200/2, Rathna Complex, 1st Floor, Peters Road, Royapettah, Chennai 600 014	+91 89398 35000	srinivasan.rangarajan@rahejaqbe.com
Bengaluru	Nikhil Bhimani	C/o - RMC Readymix (India), BCP Tower, 386, 9th Main, 7th Sector, HSR Layout, Bangalore - 560 102	+91 99860 01789	nikhil.bhimani@rahejaqbe.com
Delhi	Siddhartha Anand	C/o of H & R Johnson, CC - 27, Nehru Enclave, Kalkaji, Outer Ring road, New Delhi - 110 019	+91 99994 44331	siddhartha.anand@rahejaqbe.com
Pune	Ameya Kane	Global Trade Centre, 1/1 Rambaug Colony, L.B.S Marg, Navi Peth, Pune-411 030	+91 98907 56037	ameya.kane@rahejaqbe.com
Ahmedabad	Kamlesh Khuntwal	The Classic Business Centre, 706, Sakar III, Nr. Income tax Office, Ashram Road, Ahmedabad – 380 014	+91 90999 80705	kamlesh.khuntwal@rahejaqbe.com