Raheja QBE General Cancer Insurance Plan

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      Raheja QBE General Cancer Insurance Plan

      Cancer is a life-threatening health-condition and if detected early, it can be treated successfully. Timely diagnosis has cured a lot of people all over the world. Raheja QBE cancer insurance policy offers the required financial support to help you avail the best treatment in one of the best hospitals. You don’t have to worry about the cost of cancer treatment with this policy in place.

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      Coverage Provided in Raheja QBE Cancer Insurance Plan

      The expenses that are covered in this plan are as follows:

      • Anyone between the age group of 1 day and 70 years can get coverage under this plan
      • Sum Insured amount ranges in the multiples of Rs.1 lakh and the maximum limit is Rs. 10 lakhs In case the policyholder is diagnosed with cancer, the insurer will pay the insured for diagnostic investigations and treatment by a qualified doctor or surgeon:
        • 50% of the Sum Insured or 2.5 lakh rupees whichever is less
        • Payment is made in lump sum upon acceptance of the cancer insurance claim
        • All the essential medical expenses that were incurred on the diagnostic procedures and the cancer treatment, in excess of 75% of the lump sum amount paid as stated above.
      • Compensation of medical expenses after submission of all the original bills
      • Quarterly reimbursement of claims for actual expenses incurred, till the total sum insured amount is exhausted
      • One special feature is that, if the policyholder gets diagnosed with Cancer and files a claim during the policy term, then he/she can continue to avail the benefits up to the SI limit even after the policy has expired for up to 5 years from the policy inception date
      • Only the members insured in the policy are eligible to avail the policy benefits
      • There is no exit age if the policy is renewed timely without any break in-between
      • Insured members lesser than 50 years of age can get coverage on the basis of the self-declaration and medical certificates by a registered doctor as mentioned in the proposal form.
      • For applicants who are above 50 years a pre-medical test is required. Once insured under Raheja QBE cancer policy and after confirmation of no pre-existing cancer and if such members are diagnosed with cancer later on that too in advanced stages, they shall be offered coverage under this plan.
      • 50% of the medical expenses incurred on pre-policy medical screening shall be reimbursed by the insurer
      • The policy needs to be renewed before the expiry of the due date. The insurance company provides 30 days of grace period from the renewal due date. In case the policy is not recommended within the grace period, then the insurer may agree to issue a fresh policy and the accumulated benefits such as NCB will not be retained.

      Things You Need to Know about Raheja QBE Cancer Insurance Plan

      • Raheja QBE Cancer Insurance policy is easily renewable unless there is misconduct by the insured or any fraudulent transaction in relation to the policy or a moral hazard.
      • You can easily renew this policy once your claim has been sanctioned/approved under this plan
      • If you have not filed any claim during the policy term your sum insured amount will be increased by 5% at the time of renewal provided that the cumulative bonus for the total period shall not exceed 25%. The earned Cumulative Bonus will be retained only if the policy is renewed within 30 days of the grace period.

      Exclusions of Raheja QBE Cancer Insurance Plan

      The plan does not compensate for expenses incurred under the following circumstances:                                                                                                            

      • Any claim that is not supported by diagnostic investigation reports mentioning the diagnosis of Cancer.
      • Any disease, injury, or illness that is directly or indirectly related to nuclear weapons.
      • Any disease, injury, or illness that is caused as a result of the insured person getting in contact with radioactivity or radiation from any source
      • Any cancer-related condition or cancer for which the policyholder showcased signs and symptoms or has been diagnosed or has received medical treatment/advice 48 months before purchasing the Raheja QBE cancer insurance policy
      • False or incorrect diagnosis or if any fraudulent devices are adopted while filing a claim under Raheja QBE cancer insurance policy

      Raheja QBE Cancer Insurance Claims

      The insurance company aims to provide excellent claims service to its customers.  Raheja QBE Cancer Insurance claims team ensured fair, friendly, and timely settlement of all the registered health claims.

      Raheja QBE claims service offers you:

      • Transparency and innovation while settling claims
      • An established global team consisting of claims management experts
      • Outstanding and seamless claim settlement service
      • An equitable, friendly and efficient claims handling service combined with quick payment
      • Close management of all the claims

      How to Make a Claim

      To register a claim you will require the following information:

      • Raheja QBE cancer insurance policy number
      • Time and date of the hospitalization
      • Name and contact details of the person lodging the claim
      • Medical reports
      • Name and Contact Number of the person handling the claim

      Inform the Insurer

      For any medical treatment, you need to intimate timely on their dedicated toll-free number/ mobile number at the earliest convenience. You can also write them an email from your registered email id. It is essential to inform the insurance company at the earliest if you want the timely settlement of your claim.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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