Raheja QBE health Insurance Plans

Raheja QBE health qube plan

Buy Raheja QBE Health qube plan

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Health QuBE is a comprehensive health insurance policy which gives you and your family members a complete health cover. This provides up to 50 Lacs of health insurance coverage to ensure that all the healthcare needs are met.

4 different plan variants can be opted under this policy:

  • Basic Plan- Inbuilt health cover with no add-on cover
  • Comprehensive Plan- Inbuilt health cover with add-on cover for Sub Limit Waiver
  • Super Saver Plan- Inbuilt health cover with add-on cover for Co-pay
  • A la carte Plan- Inbuilt health cover with add-on cover as per your requirement

Raheja QBE Health Insurance Review

Raheja QBE Health Insurance
Raheja QBE Insurance sum insured
1 lac − 50 lacs options available
Incurred Claims Ratio *
Raheja QBE Insurance tenure options
1 or 2 years options available
Claims Settlement Ratio **
List of network hospitals
5,000+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 2 dependent children + parents
Number of lives covered *
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website
Introducing…a feature rich, competitively priced individual health product designed to take care of you and your family’s hospitalization expenses.

No Capping on
Room Rent, Doctor’s Fees, ICU charges
Covers Non-Medical Expenses also
(as per policy terms)
Annual Health Check-up FREE FROM DAY 1
(irrespective of Claim)
10% extra Sum insured
for cashless claims
Get NCB upto 100 %
reduce only in case of consecutive 2 yrs claims or claim amount >Rs 50,000 or 10% of SI, whichever is lower
Competitive Premiums
(best value for money)
EMI Facility
Annually, Half yearly & Quarterly also
Protection for entire family
(Max.6 members; including parents & In Laws also)
Discount on Premium
on opting 2yrs Policy period
Waiting Period
48 Months
No Pre-Policy Medical Check-up
till age 55yrs /Rs10 Lakhs
Raheja QuBE’ s flagship product which protect yourself and your loved ones from sky high medical bills .

Product features:

  • Cover entire family in One policy under ‘Family Floater’ or on Individual cover basis.
  • 3 variants – Basic, Comprehensive & Super Saver
  • Choose Sum Insured starting from Rs 3 Lakhs to Rs 50 Lakhs
  • Age – minimum entry age is 91 days & maximum 65 years
  • No Pre-Policy Checkup required till the age of 55 years or cover upto Rs 10 Lacs
  • Tax benefits u/s 80D of Income Tax Act. 1961

Policy coverage and benefits

  • Pre & Post Hospitalisation treatments (60 & 90 Days respectively)
  • In Patient Treatments ( including more than 140 Day care procedures)
  • Domiciliary treatment
  • Cumulative Bonus (5% on every claim free renewal, max.upto 100% of sum insured)
  • Ambulance Cover
  • Organ Donor Benefit (20 % of the total limit)
  • Two years policy option (with Long Term discount benefit)

Exclusive features

  • We cover the cost of Non-Medical Expenses also*
  • Complimentary annual Medical Check-up from day 1 of policy inception (regardless of claims, for all members with age >18 yrs)
  • 10% extra Sum Insured if user opts for cashless treatment
  • Recharge of Sum Insured (Up to basic Sum Insured per policy year)
  • Cost of pre policy medical tests to be borne directly by Raheja QBE

Waiting periods and exclusions

  • Pre-existing disease - 48 months
  • First 30 days from Inception - For hospitalization claims except for injuries.
  • Two years –Applicable on specific ailments like cataract, varicose veins, stones etc.
  • Permanent exclusion – HIV/AIDS, maternity coverage (except ectopic pregnancy) etc.

Raheja QBE health qube plan benefits

  • Eligibility
  • Benefits
  • Coverages
  • Exclusions

Eligibility Criteria of Raheja QBE health qube plan

  • The Policy would cover all the persons from the age group of 90 days to 65 years. The maximum entry age is restricted to 65 years. The minimum adult entry age for dependents is 18 years and the maximum entry age is 65 years.
  • Children upto 90 days till 5 years can only be covered provided either of his/her parent or legal guardian is insured with under the same policy (family floater).
  • Children up to 25 Years of age can be insured under the policy
  • Maximum cover ceasing age for children is 25Years. In case of Family floater policies, The young adult would have an option on renewal to continue as an adult with the suitable change in premium slab. If the Plan cannot accommodate the young adult . We would offer him an Individual policy with equivalent SI and NCB vested at corresponding premium slab.
  • The policy provides for lifelong renewals.
  • The Policy can be issued for 1 or 2 years. The benefits are on policy year basis.
  • The policy can be issued on an Individual or Floater cover basis.
  • We cover maximum 6 members in a family floater and individual type of cover.
  • In a family floater policy age of eldest member is taken into consideration while computing the premium.

Benefits for Raheja QBE Corona Kavach health insurance

Coverage of Non-Medical expenses – As per Sum insured opted*
Sum Insured Band (Rs) Maximum Amount Per Day (Rs)
3L to 6 Lakhs 1000
7L to 9 Lakhs 2000
10L to 15 Lakhs 3000
16L to 50 Lakhs 5000

Sum Insured Band (Rs) Maximum Amount Per Hospitalisation (Rs)
3L to 9 Lakh 1500
10 L to 50 Lakh 2500

Sum Insured Band (Rs) Max Amount (Rs)
3L to 9 Lakh 25,000
10L to 20 Lakh 50,000
21L to 50 Lakh 1,50,000

Product Features Basic Comprehensive Super Saver
In Patient Hospitalization Yes Yes Yes
Room Rent 1 % Sum Insured No Limit 1 % Sum Insured
ICU charges 2 % Sum Insured No Limit 2 % Sum Insured
Doctor Fees 25% of Sum Insured No Limit 25% of Sum Insured
Pre-Hospitalization 60 Days 60 Days 60 Days
Post Hospitalization 90 Days 90 Days 90 Days
Ambulance Charges Yes Yes Yes
Recharge Benefit Yes Yes Yes
Complimentary Medical check Up Yes Yes Yes
Sum Insured Increase Yes Yes Yes
No Claim Bonus Yes Yes Yes
Domiciliary Hospitalization Yes Yes Yes
Organ Donor Benefit Yes Yes Yes

Coverages of Raheja QBE health qube plan

  • Individual/Family health cover
  • Enjoy cashless hospitalization at network hospitals
  • Add-on covers to enhance policy benefits
  • Grab 10% premium discount on buying policy directly through website
  • Portability option is available
  • Avail Lifelong renewability
  • Tax benefits applicable
  • In-patient hospitalization expenses such as hospital room rent, ICU, diagnostic procedures, anaesthesia, operation theater charges, surgical appliances, medicines, drugs, etc. are covered, when the insured is hospitalized for at least 24 hours.
  • Pre hospitalization expenses are covered for 30/60 days (depending on the sum insured chosen) before hospitalization.
  • Post hospitalization expenses are covered for 60/90 days (depending on the sum insured chosen) after hospitalization.
  • Hospital daily allowance is payable, in case of in-patient hospitalization for a maximum of 6 consecutive days of hospitalization per claim.
  • Organ donor expenses incurred for harvesting the organ are covered.
  • Medical expenses incurred for domiciliary hospitalization are covered.
  • Ambulance charges are covered up to a limit specified.
  • Annual health check-up can be availed by the insured person aged 18 years & above, provided it is conducted at network providers.
  • Get sum insured increase by 10% on cashless hospitalization

Coverages under all plan variants

Schedule of benefits Basic Comprehensive Super Saver Ala carte
Sum insured limits - 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 Covered Covered Covered Covered
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 Covered Covered Covered Covered
Daily allowance Upto Rs. 500 per day Upto Rs. 500 per day Upto Rs. 500 per day
Organ donor benefit Upto 20% of sum insured 20% of sum insured Upto 20% of sum insured Upto 20% of sum insured
Recharge/replenish benefit Covered Covered Covered Covered
Medical checkup Covered Covered Covered Covered
Non Medical expenses(-)(on cashless facility) Covered based on SI Covered Covered based on SI Covered based on SI
Sum insured increase 10% on cashless 10% on cashless 10% on cashless 10% on cashless
Domiciliary hospitalisation (@) Covered Covered Covered Covered
No claim bonus Covered Covered Covered Covered
Sub limit waiver Not Covered Built-in Not Covered Optional
Co-pay - 20% Not Covered Not Covered Built-in Optional
2 Year Policy availability Covered Covered Covered Covered

Exclusions of Raheja QBE health qube plan

  • Investigation & Evaluation
    • Expenses related to any admission primarily for diagnostics and evaluation purposes.
    • Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment
  • Rest Cure, rehabilitation and respite care
    • Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
      • Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.
    • Any services for people who are terminally ill to address physical, social, emotional and spiritual needs
  • Obesity/ Weight Control
    • Expenses related to the surgical treatment of obesity that does not fulfil the policy conditions
    • Obesity-related cardiomyopathy
    • Coronary heart disease
    • Severe Sleep Apnea
    • Uncontrolled Type2 Diabetes
  • Change-of-Gender treatments
    • Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.
  • Cosmetic or plastic Surgery
    • Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
  • Hazardous or Adventure sports
    • Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, parajumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
  • Breach of law
    • Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.
  • Excluded Providers
    • Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However, in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim.
  • Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
  • Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure .
  • Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 diopters.
  • Unproven Treatments
    • Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
  • Sterility and Infertility
    • Expenses related to sterility and infertility which includes any type of contraception, sterilization, Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI, Gestational Surrogacy, Reversal of sterilization
  • Maternity Expenses
    • Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy;
    • expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the policy period.
  • War (whether declared or not) or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
  • Nuclear, chemical or biological attack or weapons, contributed to, caused by, resulting from or from any other cause or event contributing concurrently or in any other sequence to the loss, claim or expense.
  • Circumcision unless necessary for treatment of an Illness or as may be necessitated due to an Accident.

Disclaimer: “For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”)


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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022