Is a pre-policy medical test required?

Medical tests may be waived for younger or healthy applicants. Older individuals or those with medical histories may need tests based on the insurer’s underwriting rules.

Do I need a base health insurance policy?

Yes, because the Super Top-Up only pays after your base plan or deductible amount is fully used, making it a supplement rather than a standalone policy.

What is Raheja QBE Super Top-Up Health Insurance?

It is an additional health cover that pays medical expenses once your chosen deductible is crossed, offering high financial protection at a lower premium compared to increasing base coverage.

How should I choose the deductible?

Select a deductible equal to your base policy’s sum insured or a comfortable out-of-pocket amount, ensuring the Super Top-Up activates at the right time.

How does a Super Top-Up plan work?

The plan activates only after your total yearly medical bills exceed the deductible, providing extended coverage beyond your base policy limit for large or unexpected hospital expenses.

Who can buy this plan?

Adults aged 18–65 years can purchase the plan. Children can be covered under a family floater when insured along with their parents for extended protection.

Are pre-existing diseases covered?

Yes, pre-existing illnesses are covered only after completing the mandatory waiting period defined in the policy, ensuring gradual risk acceptance by the insurer.

Is there a restoration or recharge benefit?

Some variants may offer sum insured restoration if your coverage gets fully used in a policy year, ensuring additional protection for multiple hospitalisations.

Are daycare procedures covered?

Yes, several daycare treatments not requiring a 24-hour hospital stay are covered, allowing claims for minor surgeries and specialised procedures as per policy terms.

Can I claim reimbursement at non-network hospitals?

Yes. Pay the hospital bills, collect all original medical documents, and submit them to the insurer for reimbursement after claim assessment.

Are AYUSH treatments included?

Yes, AYUSH treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered under eligible plan variants, giving policyholders broader treatment options.

How do I file a cashless claim?

Visit a network hospital, show your health card and ID, complete pre-authorisation, and the insurer directly settles approved expenses with the hospital for cashless treatment.

Is cashless treatment available?

Yes. Cashless treatment is available at Raheja QBE’s network of 6,446+ hospitals, ensuring convenient hospitalisation without upfront payments for approved medical expenses.

Why choose a Super Top-Up plan?

It provides high-value coverage at a much lower premium, serving as a cost-effective way to manage major medical expenses once your deductible is crossed.

Can I include my family in the plan?

Yes, family floater options allow you to cover spouse, children, and dependent parents under one policy with shared coverage, simplifying health insurance management.

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Top Up Plan

Raheja QBE Super Top-up Health Insurance Plan

Why is Super Top-Up a Smart Choice?
A Super Top-Up with Raheja QBE enhances your base health cover by providing additional high coverage once your deductible is met.

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6446+

Cashless Hospital Network

93.30%

Claims paid within 3 months

24/7

Claim Assistance

5.3 Crore

Total Policies Sold

Our Verdict

Our Verdict on Raheja QBE Super Top-up Health Insurance

Pros

Lifelong renewability and optional benefits like sum-insured restoration or no-claim bonus.

No pre-policy medical test required for many applicants up to age 55.

Covers hospitalisation, daycare, pre/post-hospitalisation, organ donor, and AYUSH treatments.

Affordable premiums with sum insured up to ₹1 crore.

Cons

Optional benefits may need extra premium.

Requires a base policy; cannot be used standalone.

Exclusions include cosmetic procedures, gender-change treatments, obesity, and certain investigations.

Pre-existing diseases have a 36-month waiting period.

Pros

Lifelong renewability and optional benefits like sum-insured restoration or no-claim bonus.

No pre-policy medical test required for many applicants up to age 55.

Covers hospitalisation, daycare, pre/post-hospitalisation, organ donor, and AYUSH treatments.

Affordable premiums with sum insured up to ₹1 crore.

Cons

Optional benefits may need extra premium.

Requires a base policy; cannot be used standalone.

Exclusions include cosmetic procedures, gender-change treatments, obesity, and certain investigations.

Pre-existing diseases have a 36-month waiting period.

Final Verdict

Raheja QBE Super Top‑Up Health Insurance is a solid, budget‑conscious option for those seeking to enhance their existing health coverage without overspending. With sum‑insured up to ₹1 crore, flexible deductibles, no‑medical‑test eligibility (for many), and lifelong renewability, it provides a practical safety net against high medical expenses. While waiting periods...

Raheja QBE Super Top‑Up Health Insurance is a solid, budget‑conscious option for those seeking to enhance their existing health coverage without overspending. With sum‑insured up to ₹1 crore, flexible deductibles, no‑medical‑test eligibility (for many), and...

Raheja QBE Super Top-up Health Insurance Plan

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

Super Top Up

Factors to Consider While Buying Raheja QBE Super Top Up Mediclaim Policy

Assess Your Health Needs

Consider your age, lifestyle, and medical history to determine how much additional coverage is required beyond your base health insurance.

Choose an Appropriate Sum Insured

Select a sum insured that adequately covers potential medical expenses, balancing financial security and premium affordability.

Check Deductible Options

Higher deductibles lower premiums but activate coverage only after your base policy limit is exhausted. Choose a deductible that fits your budget.

Evaluate Hospital Network

Ensure the insurer has a wide cashless hospital network near your home and workplace for easy access to treatment.

Review Waiting Periods

Understand the waiting periods for pre-existing diseases, specified illnesses, and daycare procedures to avoid claim issues.

Consider Add-on Benefits

Look for optional riders like critical illness cover, sum insured restoration, or AYUSH coverage to enhance your plan.

Compare Premiums vs Coverage

Ensure the plan provides adequate coverage at a reasonable premium compared to standalone high-sum health insurance options.

Assess Your Health Needs

Consider your age, lifestyle, and medical history to determine how much additional coverage is required beyond your base health insurance.

Choose an Appropriate Sum Insured

Select a sum insured that adequately covers potential medical expenses, balancing financial security and premium affordability.

Check Deductible Options

Higher deductibles lower premiums but activate coverage only after your base policy limit is exhausted. Choose a deductible that fits your budget.

Evaluate Hospital Network

Ensure the insurer has a wide cashless hospital network near your home and workplace for easy access to treatment.

Review Waiting Periods

Understand the waiting periods for pre-existing diseases, specified illnesses, and daycare procedures to avoid claim issues.

Consider Add-on Benefits

Look for optional riders like critical illness cover, sum insured restoration, or AYUSH coverage to enhance your plan.

Compare Premiums vs Coverage

Ensure the plan provides adequate coverage at a reasonable premium compared to standalone high-sum health insurance options.

Super Top Up

Inclusions & Exclusions of Raheja QBE Super Top Up Health Insurance Plan

Here are the main coverages included and and exclusions of Raheja QBE health insurance super top up:

Inclusions

Cashless treatment at network hospitals.

Annual health check-ups and sum-insured recharge (select plans).

Day-care treatments not requiring 24-hour stay.

Organ donor expenses for approved procedures.

Domiciliary/home treatment if hospitalisation isn’t possible.

Ambulance charges for hospital transport.

Pre- and post-hospitalisation expenses (as per plan limits).

Inpatient hospitalisation: room, nursing, ICU, surgeries, doctor fees, and medicines.

Exclusions

Gender change treatments and other specified exclusions.

Treatment outside India (unless specified).

Maternity expenses (unless covered in the plan).

Treatments arising from hazardous or adventure sports.

Infertility, IVF, surrogacy, or related procedures.

Obesity or weight management treatments (unless specified).

Cosmetic or plastic surgeries unless medically necessary.

Investigations or evaluations without treatment.

Inclusions

Cashless treatment at network hospitals.

Annual health check-ups and sum-insured recharge (select plans).

Day-care treatments not requiring 24-hour stay.

Organ donor expenses for approved procedures.

Domiciliary/home treatment if hospitalisation isn’t possible.

Ambulance charges for hospital transport.

Pre- and post-hospitalisation expenses (as per plan limits).

Exclusions

Gender change treatments and other specified exclusions.

Treatment outside India (unless specified).

Maternity expenses (unless covered in the plan).

Treatments arising from hazardous or adventure sports.

Infertility, IVF, surrogacy, or related procedures.

Obesity or weight management treatments (unless specified).

Cosmetic or plastic surgeries unless medically necessary.

Raheja QBE Super Top-up Health Insurance Plan

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Super Top-up

Claim Process for Oriental Super Top-up Health Insurance Policy

1-5 of 6 Process

Super Top Up

How to Renew Raheja QBE Super Top Up Health Insurance Premium

Super Top Up

How to Buy Raheja QBE Super Top Up Health Insurance Plans

1-5 of 7 Steps

Super Top Up

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.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.