Raheja QBE Pravasi Bharatiya Bima Yojana

Raheja QBE Pravasi Bharatiya Bima Yojana is a personal accident insurance policy designed to cover Indian emigrants working abroad for employment. It provides coverage for accidental death and permanent disability along with transportation and repatriation costs. The policy also covers the hospitalization expenses of the emigrant as well as the family back in India.

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Raheja QBE Pravasi Bharatiya Bima Yojana

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Raheja QBE Pravasi Bharatiya Bima Yojana: Key Highlights

    Categories Specifications
    Sum Insured Rs 10 lakh
    Policy Tenure 2 years, 3 years
    Network Hospitals 5000+
    Incurred Claim Ratio (2020-21) 97.22%
    Pre-existing Diseases Waiting Period 4 years

    Benefits of Raheja QBE Pravasi Bharatiya Bima Yojana

    Here are some of the most amazing benefits of buying a Raheja QBE Pravasi Bharatiya Bima Yojana:

    • Health Cover for Emigrants

      This Raheja QBE health insurance policy provides coverage only to Indian citizens working outside the country as emigrants under the Emigration Act, 1983.

    • Coverage for Accidents

      Unlike regular health plans, this insurance plan provides coverage for accidental injuries leading to death or permanent disability.

    • Legal Expenses

      This Pravasi Bharatiya Bima Yojana by Raheja QBE General Insurance Company also covers the legal costs incurred by the insured relating to his/her employment.

    Raheja QBE Pravasi Bharatiya Bima Yojana Eligibility Criteria

    Take a look at the eligibility criteria to buy a Raheja QBE Pravasi Bharatiya Bima Yojana:

    Parameters Eligibility Criteria
    Minimum Entry Age Adult – 18 years
    Maximum Entry Age Adult – 60 years
    Child – 21 years
    Visa Category Passport endorsed with ‘Emigration Check Required’ category
    Coverage Type Individual
    Relationships Covered Self, spouse, dependent children and dependent parents (For hospitalization)

    Inclusions of Raheja QBE Pravasi Bharatiya Bima Yojana

    Raheja QBE Pravasi Bharatiya Bima Yojana provides the following coverage:

    • Personal Accident Cover
    • Transportation of Mortal Remains
    • Hospitalization Expenses
    • Maternity Expenses
    • Hospitalization Expenses of the Insured’s Family in India
    • Employment Contingencies
    • Repatriation Expenses on Medical Grounds
    • Litigation Expenses

    Exclusions of Raheja QBE Pravasi Bharatiya Bima Yojana

    The following coverage is excluded under Raheja QBE Pravasi Bharatiya Bima Yojana:

    • Dental treatment or surgery
    • OPD treatment
    • Adventure or hazardous sports
    • Congenital external diseases
    • Venereal diseases
    • Cosmetic or plastic surgery
    • Accident while under the influence of alcohol/drugs
    • HIV AIDS
    • Suicide or an attempt to suicide

    Raheja QBE Pravasi Bharatiya Bima Yojana Waiting Periods

    Check out the waiting periods applicable to Raheja QBE Pravasi Bharatiya Bima Yojana:

    Category Waiting Period
    Pre-existing Diseases Waiting Period 4 years
    Specific Illness Waiting Period 1 year
    Initial Waiting Period 30 days
    Maternity Waiting Period 9 months

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