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Raheja QBE Health Insurance Coverage & Benefits

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Raheja QBE Health Insurance Coverage & Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

Key Coverages & Benefits Offered Under Raheja QBE Health Insurance

Raheja QBE Health Insurance provides essential medical protection with clear and practical benefits designed for individuals and families.

Inclusions

Cashless treatment at network hospitals

Coverage for accidental injuries

ICU charges and room rent coverage

Ambulance services for medical emergencies

Daycare procedures

Pre- and post-hospitalization medical costs

Inpatient hospitalization expenses

Exclusions

Pre-existing diseases during the waiting period

Hospitalization solely for diagnostic purposes

Dental and vision treatments not caused by accidents

Non-allopathic treatments (unless specified)

Treatment for congenital external defects

Injuries due to self-harm or substance abuse

Cosmetic or aesthetic treatments

Claims Process

How to file Raheja QBE Health Insurance claims?

Raheja QBE Health Insurance Coverage & Benefits

How Coverage and Benefits Vary in Raheja QBE Health Insurance

Different Plan Variants Offer Different Sum Insured & Limits

Raheja QBE Health QuBE plans, such as Basic, Comprehensive, Super Saver, and A‑la‑Carte, offer sum insured from ₹1 lakh to ₹50 lakhs. Lower-tier plans have sub-limits on room rent and ICU charges, while Comprehensive removes most limits for better financial protection.

Coverage for Treatments Varies by Plan

All plans cover hospitalisation, pre- and post-hospitalisation expenses, and daycare procedures. Higher plans or add-ons provide enhanced coverage for major treatments, ambulance, and domiciliary care.

Value‑Added Benefits Differ Across Plans

Premium plans include benefits like sum insured recharge, annual health check-ups, organ donor cover, and family floater options. Lower-tier plans have fewer extras and may include co-payments.

How to Choose

How to Choose the Right Health Insurance Coverage

What is the Waiting Period in Raheja QBE Health Insurance?

A waiting period is the time after your policy begins during which certain illnesses, treatments, or pre-existing conditions are not covered. Any claim for conditions still in the waiting period will be denied until the waiting period ends.

Initial Waiting Period

For most illnesses (other than accidents), there is a 30‑day waiting period from the policy start date. Accidental hospitalisation claims are covered from Day 1.

Pre‑Existing Disease (PED) Waiting Period

If you have declared a pre‑existing disease at the time of buying the policy, treatments for that disease (and its complications) will be excluded until 48 months of continuous coverage have passed.

Specified Diseases / Procedures Waiting Period

Certain specified ailments or procedures (e.g., cataract, hernia, stones, some ENT, orthopaedic, or other conditions) have a separate waiting period — typically 24 months under many plan variants.

Other Waiting-Period Variants

In some plan variants or add-on plans, waiting periods for specific procedures or enhanced benefits may vary; the official policy wording must be checked.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under Raheja QBE Health Insurance

Diseases Covered

Organ Donor Treatment

Bariatric Surgery (Medically Necessary)

Mental Illness & Psychiatric Care

Hernia, Hydrocele & Similar Surgeries

Cataract & Eye Disorders

Kidney & Gallbladder Stones

Cardiac & Heart-Related Diseases

Diseases / Conditions Not Covered Under Raheja QBE Health Insurance

Non-Registered Hospitals or Practitioners

Sleep-Related Disorders (Variant-Dependent)

Rehabilitation & Rest Cure

Unproven or Experimental Treatments

Congenital External Anomalies

Self-Inflicted Injuries & Substance Abuse

Infertility & Reproductive Treatments

Pre-existing Diseases

Pre-Existing Diseases Covered Under Raheja QBE Health Insurance

Chronic Lifestyle Conditions

Pre-existing issues like diabetes, hypertension, and related complications are covered once you complete the mandatory waiting period.

Heart & Cardiac Disorders

Conditions such as coronary artery disease, past cardiac surgeries, and cardiac complications become eligible after serving the PED waiting period.

Respiratory Diseases

Asthma, COPD, chronic bronchitis, and other long-term respiratory conditions are covered after the waiting duration.

Thyroid & Hormonal Disorders

Hypothyroidism, hyperthyroidism, and other endocrine-related illnesses get covered once the waiting period ends.

Joint & Musculoskeletal Issues

Arthritis, osteoarthritis, spondylosis, and similar chronic joint conditions are included after completing the PED wait.

Digestive & Gastrointestinal Conditions

GERD, chronic acidity, ulcers, IBS, and other persistent digestive issues are covered post waiting period.

Kidney & Liver Disorders

Chronic kidney disease, kidney stones, hepatitis, liver dysfunction, and related complications are included after the PED waiting period.

Mental Health Conditions

In-patient psychiatric illnesses that existed before policy purchase are covered once you complete the waiting duration applicable to your plan.

Customize Plan Options

How to Customize Raheja QBE Health Insurance for Maximum Coverage

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Raheja QBE Health Insurance Coverage & Benefits

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