Raheja QBE General Insurance Company Limited

Raheja QBE General Insurance Company Limited is a joint venture between the Prism Cement Limited of Rajan Raheja Group and QBE Holdings Pty Limited of Australia. Prism Cement Limited holds a 74% stake in the company while QBE Holdings has the remaining 26% stake in the general insurance venture. Praveen Gupta is the CEO and Managing Director of Raheja QBE General Insurance Company Limited while Rakesh Sharma serves as the Chief Financial Officer.

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Raheja QBE General Insurance Company Limited

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    Prism Cement Limited is one of India's prime integrated building materials company with a wide range of products such as tiles, cement, ready-mixed concrete, etc. QBE Insurance Group Limited is Australia's largest global insurer and has a presence in more than 45 countries with expertise in handling financial services clients over a long period.

    QBE Insurance has got an A+ rating by Standard and Poor's Insurance Financial Strength rating which makes Raheja QBE General Insurance Company Limited, a secure option to invest in.

    The organization aims to expand the business through their existing far-reaching networks and acquisitions of insurance businesses, portfolios, and teams of underwriters that meet their stringent criteria for a minimum return on equity and EPS accretion in the first year of acquisition.

    Why Should You Choose Raheja QBE General Insurance?

    While we talk about insurance, every person has different requirements, but Raheja QBE General Insurance collaborates its customers externally and internally so well that it provides adaptable insurance products that can cater to the maximum requirements of its customers. Mentioned below are some of the key reasons for choosing Raheja QBE General Insurance as your insurance provider:

    • A Wide Cashless Network: When it comes to cashless network, Raheja QBE General Insurance has one of the largest networks of associated garages and hospitals where its policyholders can get cashless services. Raheja QBE General Insurance has 5000+ hospitals and more than 1300 garages in its network.
    • Transparency: Raheja QBE General Insurance has no hidden agenda and tries to respond and resolve all the issues raised by its customers quickly and with full transparency.
    • The Processes are Hassle-Free: From purchase to claim settlement, every process is easy and quick with Raheja QBE General Insurance. Even communicating with the company is simple.
    • Customer-Oriented Approach: All the requirements of the customers are kept at the forefront with Raheja QBE General Insurance. The company ensures the satisfaction of its customers for almost all the transactions.

    Raheja QBE General Insurance - Product Portfolio
    Raheja QBE General Insurance Company Limited Products

    Raheja QBE Home Insurance Plans:

    Raheja QBE General Insurance Policies offer a flexible range of domestic property insurance, providing financial protection for most people’s largest assets – their home and belongings.

    Domestic Burglary Insurance:

    Burglary and Housebreaking Insurance provides financial compensation against loss or damage to property contained in one's premises by acts of burglary and housebreaking. The insurance policy covers property contained in one's premises, stocks, and goods owned by the insured or held in trust and/or commission. It also covers cash, valuables, securities kept in a locked safe or cash box in a locked steel cupboard on specific request. The policy can be extended to cover riot, strike, malicious damage, and theft by payment of additional premium.

    The burglary insurance policy pays for actual loss or damage caused to the insured property due to burglary or housebreaking subject to sum insured limit. If the sum insured is not adequate, the only proportionate loss is paid. The policy also has a provision to cover bulk items on a 'first loss' basis where a percentage of total contents can be taken as that exposed to the risk of burglary and housebreaking. The premium is charged on this selected percentage only.

    Domestic Fire Insurance:

    Raheja QBE General Insurance Standard Fire and Special Perils Insurance covers all properties on land (excluding the cost of land) – both moveable and immoveable. The policy can be extended to cover certain additional perils and expenses for an additional premium. It protects one's financial investment in assets including buildings and their contents if they are damaged due to a long list of perils. The policy also covers architects, surveyors, consulting engineer fees up to 3% of the claim amount and debris removal expenses up to 1% of the claim amount.

    The scope of the fire insurance policy can be extended by paying an additional premium. Major optional extensions available include architects, surveyors, and consulting engineer fees over 3% of the claim amount, debris removal over 1% of the claim amount, impact damage due to own vehicles, forklifts, cranes, spontaneous combustion, omission to insure additions, alterations, and extensions, earthquake, leakage and contamination cover, loss of rent and terrorism damage.

    Raheja QBE Health Insurance Plans:

    Healthcare cost has reached a new height, making health insurance policy a part and parcel of our life. Medical emergencies can knock our door anytime and turn our world upside down leaving us shattered both physically and financially. Health insurance policy is a savior at this time, covering financial losses during medical emergencies to a great extent.

    Cancer Insurance:

    The Cancer Insurance Policy from Raheja QBE General Insurance provides considerable financial support to the insured on the detection of cancer so that he/she can be adequately treated in time. This policy relieves one from the crippling costs of cancer treatment and allows one to lead a normal life with lesser worries.

    The Cancer Insurance policy is available to all individuals, starting from 1 day old baby to a 70 years old individual. In the case of cancer diagnosis after proper diagnostic investigation or treatment by a qualified medical practitioner or surgeon, the insured is paid 50% of the sum insured or Rs. 2.5 lakh, whichever is less as a lump sum amount on acceptance of a claim under the policy. The insured is also paid reasonable and necessary medical expenses incurred for diagnostic investigation or medical treatment of cancer, over 75% of the amount paid as a lump sum.

    Reimbursement of medical expenses is based on the submission of original bills only. Reimbursement of claims is made every quarter for actual expenses incurred until the entire sum insured is exhausted. Sum insured options available under the policy start from Rs. 1 lakh and go up to a maximum of Rs. 10 lakh, in multiples of Rs. 1 lakh.

    Raheja QBE Car Insurance Plans:

    The car insurance policy covers losses that might arise if your vehicle gets damaged or stolen. It offers cover against financial liability caused by the death/injury of a third party. It is mandated to have a third party liability insurance to ply a vehicle on the Indian road.

    Raheja QBE Commercial Vehicle Insurance:

    To ensure the smooth functioning of your business, it is important to have your vehicles insured. Commercial vehicle insurance protects a business from financial losses arising out of loss or damage to a commercial vehicle.

    Raheja QBE Personal Accident Plans:

    The accident and disability of a bread earner can create serious monetary problems for the family. A personal accident plan can ensure total security and peace of mind. The policy covers the policyholder against bodily injury or death caused due to accidents.

    Personal Accident Insurance:

    The Personal Accident Insurance from Raheja QBE General Insurance provides the insured and his/her family, mitigation against the financial consequences of unforeseeable accidents. It offers defined benefits based on the nature of the injury sustained by the insured person in an accident during the policy period. The policy provides for four possibilities of injuries – accidental death, permanent total disablement, permanent partial disablement, and temporary total disablement. The compensation benefits depend on the nature of the injury and the sum insured under the policy.

    Raheja QBE Animal Insurance Plans

    Raheja QBE General Insurance offers commercial animal insurance plans for traders, groups or people engaged in the animal husbandry business

    Cattle and Livestock:

    The plan insures against loss suffered due to death or disability of the cattle and livestock due to an accident or disease contracted or surgical operations. The natural and man-made causes for the accident include fires, lightning, floods, inundation, cyclones, storms, tempests, hurricanes, earthquakes, famines, riots, strikes, and civil commotions.

    Raheja QBE Corporate Plans

    Raheja QBE General Insurance offers various plans to cover against any contingencies that may be faced by a corporation or a business

    • Accident Corporate
    • Commercial Packages
    • Commercial Property
    • Construction & Engineering
    • General Liability
    • Marine
    • Motor
    • Professional Liability
    • Workers Compensation
    • Miscellaneous

    It is advisable to compare all Raheja QBE General insurance plans with plans from other General insurance companies in India to choose the lock the insurance plan that suits you the most.

    Claim Process of Raheja QBE General Insurance

    For registering a claim, you will be needed to provide the following information:

    • Policy Number
    • Time and date of loss
    • Contact number and name of the person who is handling the claim
    • A precise description of the event for which you are rising the claim

    The claim forms of various insurance products are available on their respective page on the company's webpage. 

    Health Claims Process:

    Follow the below steps to file health insurance claims:

    • Step 1: Hospitalization: Get hospitalized by submitting the health card and a valid id proof that has your photo.
    • Step 2: Pre-Authorization Form: The hospital and TPA coordinates for the verification of the documents and insurance claim approval.
    • Step 3: Claim Approval and Authorization: An approval from RQBE is provided to the hospital.

    For Availing the Cashless Facility:

    • You can avail of the benefit of cashless hospitalization in any of the network hospitals of Raheja QBE General Insurance.
    • Make sure the pre-authorization form is duly filled and signed by the policyholder and by his/her attending doctor.
    • The policyholder is requested to provide his/her mobile number on the pre-authorization form.
    • If the hospitalization is planned, then the pre-authorization form must be sent at least 15 days before the date of admission.
    • If the hospitalization is an emergency, then the pre-authorization form has to be submitted within 24 hours of hospitalization.

    For Availing the Reimbursement Facility:

    • In the claim form provide the full communication address with the pin code.
    • Keep a copy of the claim documents that you have submitted to Raheja QBE General Insurance.
    • Keep a copy of the claim documents that you have submitted to Raheja QBE.
    • Duly fill and sign the claim form. There should be a sign of the insured as well as the attending doctor on this form.
    • All the claim related documents should be submitted in the original form within 30 days from the discharge date.
    • All the co-payments, inadmissible expenses, and deductibles should be borne by the insured.

    Motor Claims Process:

    Follow the below steps for motor insurance claims:

    • Step 1: Registration: Get your claim registered by calling the company or emailing Raheja QBE General Insurance Company.
    • Step 2: Survey and Approval: The claims manager of Raheja QBE General Insurance will contact you for approval and verification.
    • Step 3: Repairs and Payment: Visit the cashless garage of the company or any garage of your choice for getting your claims settled.

    For Availing Cashless Facility:

    • Locate one of the network garages of Raheja QBE General Insurance from its website.
    • Avail the facility of pick up and drop at one of the selected garages.
    • A claim manager will be assigned to surveying your vehicle.
    • Provide all the required documents.
    • The surveyor provides the repair approval as per the terms and conditions of the policy.
    • The claim manager of Raheja QBE General Insurance gets connected with the garage for completing the repair work faster.
    • The status of the claim settlement is shared with you through SMS.
    • As per the terms and conditions of the policy, the company settles the claim directly with the garage.
    • After claim settlement, the delivery orders are sent to the network garage.
    • You can take the delivery of your motor vehicle on your own or get it delivered to your home.

    For Availing Reimbursement Facility:

    • Take your vehicle to a garage of your choice.
    • A surveyor is arranged for the survey of your vehicle.
    • Submit all the required documents with your NEFT details.
    • The approval of repair is given by the surveyor according to the policy's terms and conditions.
    • After completion of the repair, you are required to submit the invoice to the claim manager or surveyor of the company.
    • Your payment is processed by the claim’s manager of the company in your favor as per the terms and conditions of the company.

    Raheja QBE General Insurance - FAQs

    • Q1: What is not included in a personal accident policy of Raheja QBE General Insurance?

      Ans: For full details, it is advised to go through the documents of the policy. Some of the exclusions of personal accident policy are mentioned below:
      • Suicide, self-injury, insanity, or venereal disease.
      • Influence of drugs or liquor.
      • Death because of childbirth or pregnancy.
      • Breach of law due to criminal intent
      • On duty in armed forces
      • Nuclear group of perils or war
      • Death or injury while doing some adventure activities
      • Terrorism
      • Adventure sports
    • Q2: What is the age to exit a cancer insurance plan?

      Ans: If you have paid the premium of your insurance policy continuously without any break, then there is no exit age for the insurance policy for cancer.
    • Q3: Why should I buy a health insurance policy?

      Ans: In today's fast-paced lifestyle where there is a continuous rise in disease due to viruses and bacteria it is really difficult to understand when an illness can strike you or your family. In addition to this, with the rising cost of medical treatment, it has become necessary to have a health insurance policy for mitigating the sudden financial crisis. With the cost of medical treatment, a health insurance policy as well offers several other benefits. So, without a health insurance plan, you may find it difficult to pay the medical expenses when you require them the most. In this way, a health insurance policy provides you financial protection against huge expenses of medical treatments.
    • Q4: What is the process to report miss-selling by Raheja QBE General Insurance Company Limited?

      Ans: In such case of miss-selling of an insurance product, you can drop an email to Raheja QBE General Insurance at complaintsofficer[@]rahejaqbe[.]com
    • Q5: What is the emailing address of the company?

      Ans: The customer service number of the Raheja QBE General Insurance which is the toll-free number of the company. The mailing address of Raheja QBE General Insurance is:

      5th Floor, Windsor House,

      CST Road, Kalina

      Santacruz (E), Mumbai 400098 – Indian

      Fax – 022 – 4231377

    • Q6: Whom should I contact in the situation of Grievance against the company?

      Ans: You can complain to IRDAI, which is the statutory body for promoting and regulating the re-insurance and insurance industries of India.

    Raheja QBE General Insurance - Latest News

    • Raheja QBE General Insurance Additional Stake Sale Gets FIPB Approval

      Raheja QBE General Insurance Company has got the approval from the government of India to transfer its 23 percent equity to QBE Asia Pacific Holdings Ltd, which earlier was held by Prism Cement. This stake sale led to foreign shareholding in the company from 26 percent to 49 percent. Operating as a subsidiary of QBE Insurance Group Limited of Australia, Raheja QBE General Insurance is a joint venture of Prism Cement Ltd, India and QBE Holdings (AAP) Pty Ltd, which now officially holds 49 percent stake in the company. Along with this stake sale, the government also provided approval to a proposal of Rs. 6,050 crore, which includes Rs. 5,500 crore for the sake of fresh equity infusion by Cadila Healthcare. As per an official, Foreign Investment Promotion Board (FIPB) recommended the government to approve these FDI proposals in a meeting held on December 21, 2015, which amounted to Rs. 6050.10 crore.

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    Raheja QBE General Insurance Company Limited Reviews & Ratings

    5 / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    East Midnapore, September 30, 2020
    Different plans
    I got to know about different general insurance plans into the website of the policybazaar and I bought the raheja qbe general plan. It was into my budget with best benefits.
    East Godavari, September 30, 2020
    Cashless claim
    One can easily get the cashless claim from the raheja qbe general insurance and I bought it with the help of the policybazaar. It is a good plan and I have received my cashless claim.
    Dabugam, September 30, 2020
    Claim assistance
    I have got the raheja qbe general insurance policy from the policybazaar. It is one of the best plan I had and my claim was settled in less than 3-4 days. It is much easier and secured. Thank you policybazaar.
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