What different plan variants are available under Raheja QBE Health QuBE?

Raheja QBE offers several variants: Basic, Comprehensive, Super Saver, and A La Carte.

What is the range of Sum Insured under Raheja QBE Health Insurance?

Sum insured ranges from ₹1 lakh up to ₹50 lakhs under different variants of Health QuBE.

What types of hospitalisation and treatment expenses are covered?

Coverage includes in-patient hospitalisation (room rent, ICU, doctor fees, OT charges, medicines, diagnostics), listed day-care procedures, and treatment expenses when hospitalisation is medically necessary.

Are pre-hospitalisation and post-hospitalisation expenses covered?

Yes. Depending on the plan variant and sum insured, pre-hospitalisation is covered for up to 30/60 days and post-hospitalisation up to 60/90 days.

Does Raheja QBE offer cashless treatment at network hospitals?

Yes. Cashless facility is available at thousands of network hospitals across India under Health QuBE.

What value-added benefits come with Raheja QBE Health Insurance benefits?

Benefits may include recharge or replenish of sum insured, no-claim bonus, increase in sum insured on cashless claim, annual health check-up, organ-donor benefit, ambulance cover, and domiciliary hospitalisation depending on plan.

Are there sub-limits on room rent, ICU charges, and doctor fees?

Yes. For Basic, Super Saver, and A La Carte (without add-on waiver), room rent, ICU charges, and doctor fees are subject to sub-limits. The Comprehensive variant lifts those sub-limits.

Can I cover my entire family under one policy?

Yes. Raheja QBE offers both individual plans and family-floater options, covering dependents under a single policy.

Is there lifelong renewability and tax benefit under Raheja QBE Health Insurance?

Yes. Health QuBE policies offer lifelong renewability, and premiums paid may qualify for tax deduction under Section 80D as per applicable law.

What is the initial waiting period under Raheja QBE Health Insurance for illness-related claims?

There is a 30-day waiting period from policy start date for all illnesses, except in case of accidental hospitalisation which is covered from day one.

Are there additional waiting periods for certain diseases or pre-existing conditions?

Yes. For pre-existing diseases, a waiting period applies before treatment becomes claim-eligible. Also, certain listed ailments or procedures may have a specified waiting period, typically 24 to 48 months depending on plan variant.

Does Raheja QBE cover day-care procedures (i.e., treatments not requiring 24-hour hospitalisation)?

Yes. Health QuBE covers a wide list of day-care procedures even without 24-hour hospitalisation.

Will non-medical hospital expenses be covered under Raheja QBE (e.g., consumables, ambulance, donor expenses)?

Depending on the variant, non-medical expenses, ambulance charges, and organ-donor related expenses are covered under benefits.

What happens if I exhaust my sum insured during a year, is there a recharge benefit?

Yes. Some variants offer a recharge or replenish benefit that restores sum insured once in a policy year if exhausted.

Can I customise my coverage (e.g., waive sub-limits or choose add-ons) under Raheja QBE Health Insurance?

Yes. The A La Carte variant allows add-ons such as sub-limit waivers or co-payment options. With add-ons you can customise coverage to suit your needs.

Health Insurance

Term Insurance

Blogs

Claims

Tools

Partner with us

OneAssure

Health Insurance

Raheja QBE

Coverage & Benefits

Raheja QBE Health Insurance Coverage & Benefits

Get a Quote

93.30%

Claims paid within 3 months

6446+

Cashless Hospital Network

24/7

Claim Assistance

93.30%

Claims paid within 3 months

6446+

Cashless Hospital Network

24/7

Claim Assistance

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

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

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 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.

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.

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

Diabetes & Hypertension

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

Cosmetic & Elective Surgeries

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.

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

1-5 of 8

Raheja QBE Health Insurance Coverage & Benefits

Related Health Insurance Plans

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Coverage & Benefits

Still Confused? Get Expert Guidance

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Claim Settlement

FAQs Frequently Asked Questions

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

1-5 of 15

Related Blogs

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying

November 17, 2025 | Mahak Chauhan

Family Floater Plans: A Quick Overview

November 16, 2025 | Mahak Chauhan

ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?

September 25, 2025 | OneAssure Team

Making Health Insurance Affordable: Is EMI Really the Best Way?

February 4, 2026 | OneAssure Team

Insurance in 2026: Great for Your Wallet, But What’s Still Missing?

February 1, 2026 | OneAssure Team

How India’s Budget 2026 Could Shape the Future of Insurance - A Young Earner’s Guide.

February 1, 2026 | OneAssure Team

Tips To Choose The Best Health Insurance Plan

November 17, 2025 | Mahak Chauhan

Pre-Existing Disease in Health Insurance: All You Need to Know Before Buying

November 17, 2025 | Mahak Chauhan

Family Floater Plans: A Quick Overview

November 16, 2025 | Mahak Chauhan

ICICI Elevate vs Care Supreme: Which Health Plan Offers Better Coverage in 2025?

September 25, 2025 | OneAssure Team