Raheja QBE Pravasi Bharatiya Bima Yojana: Compare, Buy & Renew Plan Online

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.

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

FAQs

Q1. How to apply for Pravasi Bharatiya Bima Yojana?

Ans: You can apply for a Raheja QBE Pravasi Bharatiya Bima Yojana through the website of the insurance company or insurance brokers like Policybazaar.com.
Q2. Can I renew my Raheja QBE Pravasi Bharatiya Bima Yojana online?

Ans: Yes. You can renew your Raheja QBE Pravasi Bharatiya Bima Yojana online by providing proof of your employment outside India.
Q3. Which documents need to be submitted to raise a Pravasi Bharatiya Bima Yojana claim?
Ans: You may have to submit the following documents while raising a Pravasi Bharatiya Bima Yojana claim:
- Claim form
- FIR report
- Post mortem report
- Death certificate
- Certificate from Indian Mission/posts abroad
- Medical reports for treatments taken for disability
- Disability certificate
- Medical certificate stating the need for hospital admission
- Original bills and payment receipts
- Copy of passport
- Original air ticket with ticket receipts
Q4. How many days will it take for a Pravasi Bharatiya Bima Yojana claim to be settled?

Ans: A Pravasi Bharatiya Bima Yojana claim will be settled by the insurance company within 7 days of accepting the claims. If the claims are not settled within a week, the insurance company will pay an interest rate of 2% additionally on the claim amount.
Q5. Can I buy Raheja QBE Pravasi Bharatiya Bima Yojana for my vacation abroad?

Ans: No. You cannot buy Raheja QBE Pravasi Bharatiya Bima Yojana if you are travelling outside India for a holiday.