Health Insurance 148 views July 19, 2021

Raheja QBE Health QuBE Super Top Up Plan

If you want to enhance your existing health insurance policy and coverage, Raheja QBE Health QuBE Super Top Up Plan could fulfill your requirements. This is a top-up plan that helps customers avail additional coverage up to INR 1 crore with multiple deductible options. You can cover yourself and your family at an affordable premium. After 3 years from the start of the policy, you can also get coverage against pre-existing diseases.

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Before we move to the next section, please check out its key features mentioned below.

  1. Flexible Sum Insured Options
  2. Coverage for Yourself and Your Family
  3. In-patient Hospitalization Cover
  4. Day Care Treatment Cover
  5. Donor Organ Expense Cover
  6. Domiciliary Hospitalization Cover
  7. Coverage Against Pre-Existing Illness
  8. Lifelong Renewability Option
  9. Multiple Premium Payment Options
  10. Discounts on Premiums
  11. No Pre-acceptance Test for People below 55 years
  12. A 15-day Free Look Period
  13. Tax Benefits under Section 80D of the Income Tax Act, 1961

You would want to know these features of the Raheja QBE Health QuBE Super Top Up Plan in detail. On this page, we will discuss the same extensively. Keep reading to know more.

Let’s Understand the Features and Benefits of the Raheja QBE Health QuBE Super Top Up in Detail

Raheja QBE Health QuBE Super Top Up Plan helps individuals boost their existing health insurance plan. We are talking about its features below. Please check.

Flexible Sum Insured Options

This Super Top-up Plan from Raheja QBE offers customers multiple sum insured options ranging from INR 2 lakh to 1 crore. You can also choose a deductible option according to your convenience – INR 1-50 lakh.

Note: A deductible is a fixed amount that you need to pay towards the medical expenses before the insurer pays the remaining cost incurred on the treatment.

What is the Policy Term?

Under the Raheja QBE Health QuBE Super Top Up Plan, the policy term can be 1, 2 or 3 years.

In-patient Hospitalization Expenses

If an insured person suffers from an illness or meets with an accident during the policy term and needs hospitalization for a minimum 24-hour period, the policy will cover the hospitalization expenses. However, this time limit of 24 hours will not apply when undergoing treatment in a day care center.

Pre and Post-Hospitalization Cover

The policy will cover the expenses incurred before and after the hospitalization for 60 and 90 days, respectively, up to the sum insured limit.

Organ Donor’s Medical Expenses Cover

If an insured member needs to undergo an organ transplant surgery, the policy will cover the expenses incurred on organ harvesting up to INR 2,00,000 in the policy period.

Domiciliary Hospitalization Expenses Cover

Raheja QBE Health QuBE Super Top Up Plan also covers expenses incurred on the insured member’s treatment taken at home up to INR 50,000.

AYUSH Treatment Cover

If an insured member is undergoing in-patient care treatment for Ayurveda, Yoga & Naturopathy, Unani, Sidha and Homeopathy systems of medicine, the policy will cover the expenses incurred on the same up to INR 50,000 during each policy year.

Discounts on Premiums

Super Top-up Plan offers multiple discounts on premiums in the following situations.

  1. If an insured member is an employee of Raheja QBE General Insurance Company Ltd, he/she will get a 5% discount on new and renewal policy premiums.
  2. Raheja Health QuBE Insurance Policy customers will also get a 5% discount.
  3. A discount of 7% and 12% on making a two and 3-year premium payment, respectively
  4. A 10% discount on the premium for buying the policy directly or via the online portal

Pre-acceptance Medical Tests

Adults up to the age of 55 years don’t need to undergo pre-acceptance medical check-ups. People above 55 years would need to undergo the following medical tests before choosing the plan.

  1. Medical Examination Report
  2. Treadmill Test/ECG
  3. Lipid Profile
  4. HbA1C
  5. Serum Creatinine
  6. Complete Blood Count
  7. Urinalysis

Note: Medical reports will be valid for up to 90 days from the date of health check-up.

Raheja QBE Health QuBE Super Top Up Plan Eligibility Criteria

Have a look at the conditions related to the plan mentioned below.

  1. For children, the entry age ranges from 91 days to 25 years.
  2. The entry age for adults ranges from 18 to 65 years.
  3. Under the family floater option, you can cover yourself, your spouse, up to three dependent children and two dependent parents.

What is Not Covered Under the Plan?

Under the plan, you will not get coverage against the following expenses.

  1. Diagnostics and evaluation purposes
  2. Rest cure, rehabilitation and respite care
  3. Obesity or weight Control
  4. Change of gender treatment
  5. Cosmetic or plastic surgery
  6. Participation in a hazardous or adventure sports
  7. Treatment for alcoholism, drug or substance abuse
  8. Treatment for correction of eyesight
  9. Sterility and infertility
  10. Maternity (childbirth, miscarriage, etc.)
  11. Treatment taken outside India
  12. Injury or disease directly or indirectly caused by war, invasion, the act of a foreign enemy, etc.

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