Raheja QBE Hospital Cash InsurancePolicy

Raheja QBE Hospital Cash Insurance provides financial assistance to the insured to cover incidental expenses arising out of hospitalization, including food, travelling, etc. It helps the policyholder to manage the additional hospitalization expenses that are not covered by most regular health insurance plans.

Raheja QBE Hospital Cash Policy Overview

Raheja QBE Hospital Cash policy provides a cash allowance to the insured for each day of hospitalization resulting from an illness or injury. It is available under the Raheja Health QuBE insurance plan for those who opt for a sum insured of Rs 1,00,000 to Rs 2,00,000.

The Raheja QBE Hospital Cash policy comes with a hospital cash benefit of Rs 500 per day per hospitalization. It is available for a maximum of six hospital cash days per hospitalization. The applicant can opt for either individual or floater coverage under this policy.

Raheja QBE Hospital Cash Policy Eligibility Criteria

Criteria	Specifications
Minimum Entry Age	18 years 90 days (children)
Maximum Entry Age	65 years 25 years (children)
Coverage	Individual/ floater
Hospital Cash Amount	Rs 500 per day
Number of Hospital Cash Days	6 days
Policy Term	1 year/ 2 years
Pre-existing diseases waiting period	48 months
Renewability	Lifelong

Key Features of Raheja QBE Hospital Cash Policy

Raheja QBE Hospital Cash policy comes with the following key features and benefits:

It offers individual as well as floater coverage.
It provides a hospital cash benefit for each day of hospitalization.
It provides tax benefits for the premium paid as per section 80D of the Income Tax Act.

Inclusions of Raheja QBE Hospital Cash Policy

The Raheja QBE Hospital Cash policy offers a daily hospital cash benefit of Rs 500 per hospitalization for a maximum of six consecutive days. However, the applicant must opt for a sum insured between Rs 1,00,000 to Rs 2,00,000 to avail this cover.

Exclusions of Raheja QBE Hospital Cash Policy

The following medical expenses are excluded by the Raheja QBE Hospital cash policy:

OPD treatment
Maternity expenses
Treatment for alcohol or drug abuse
Dental treatment
Obesity or weight control procedures
Injuries due to participation in adventure or hazardous sports
Plastic or cosmetic surgery
Treatment taken outside India

The above-mentioned exclusions are not exhaustive. Find the full list of exclusions by going through the Raheja QBE Hospital Cash policy brochure.

FAQs

Q. How many family members can be covered under the Raheja QBE Hospital Cash policy?

A maximum of six family members can be covered under the Raheja QBE Hospital Cash policy.
Q. Are day care treatments covered under the Raheja QBE Hospital Cash policy?

No. The Raheja Health QuBE policy will provide a daily cash allowance only in case of in-patient hospitalization.
Q. Is there a waiting period under the Raheja QBE Hospital Cash policy?
Yes. The following waiting periods apply to the Raheja QBE Hospital Cash insurance policy:
- Initial waiting period – 30 days
- Specific illnesses – 24/48 months
- Pre-existing diseases – 48 months
Q. Can I change my sum insured under the Raheja QBE Hospital Cash insurance during the policy year?

No. You can change your sum insured under the Raheja QBE Hospital Cash policy only at the time of renewing the policy.
Q. Can I avail cashless treatment under the Raheja QBE Hospital Cash policy?

Yes. You can avail cashless treatment at more than 5000 empanelled hospitals of Raheja QBE General Insurance Company Limited across the country.
Q. Which documents should be submitted under the Raheja QBE Hospital Cash policy?
The following documents should be submitted while raising a claim under the Raheja QBE Hospital Cash policy:
- Raheja QBE claim form
- Doctor’s referral for hospitalization
- Doctor’s prescription for medicines/ tests
- Original diagnostic test reports
- Indoor case papers
- Original hospital and pharmacy bill
- Original hospital discharge certificate
- Bill payment receipts