Raheja QBE Health Insurance Super Top up Plan

Raheja Health QBE Super Top-up plan is a great addition to enhance the existing scope of coverage provided in your health insurance policy. The sum insured in this policy can be extended up to Rs 1 Crore.

Raheja Health QUBE Super Top-up Plan

Raheja Health QBE Health Top Up plan is the best option for those who do not want to pay from their pocket to meet a medical emergency. The insurer pays the amount over and above the deductible limit mentioned in the policy wordings. For example, if you choose a super top-up sum insured of Rs 50 lakh and the deductible is Rs 10 lakh, and your hospitalization expense is Rs 40 lakh then the insurer will pay off the amount over and above Rs 10 lakh i.e. Rs 30 lakh.

A brief description of the Raheja QBE Super Top-up health insurance plans coverage, features and benefits are given below.

Eligibility Criteria

Criteria	Specifications
Sum Insured	Rs 2 lakh - Rs 1 Crore
Deductible	Rs 1 lakh to 50 lakh
Minimum Entry Age	Children- 91 days Adults- 18 years
Maximum Entry Age	Children -25 years Adults - 65 years
Pre-medical Screening	For members above the age of 55 years
Waiting Period for Pre-existing Diseases	36 months

Key Benefits of Raheja Health QBE Super Top-up Plan

Check out the features and benefits of this Raheja QBE Super top-up health insurance plan as given below:

The sum insured amount ranges from Rs 2 lakh to Rs 1 Crore
Option to select Restoration Benefit
10% No Claim Bonus for every Claim-free Year
Applicants below the age of 55 years do not require a medical check-up
Life-long renewals are permissible under the policy
Tax benefits are available under the Section 80 D of the Income Tax Act

Inclusions of Raheja Health QBE Super Top-up Plan

Raheja QBE Health Super Top-up policy covers the following expenses:

In-patient hospitalization expenses are covered including doctor fees, ICU charges, and treatment cost
Organ donor expenses are also covered
Domiciliary hospitalization charges are covered as well
AYUSH treatment expense are also paid by the insurer
Pre-hospitalization covered up to 60 days and post-hospitalization covered up to 90 days
Pre-existing diseases to be covered after a waiting period of 36 months

Prospective policyholders should use the Raheja QBE Health Super Top-up Premium Chart to establish the amount of premium payable. You can also refer to the Raheja QUBE Health Top-up plan brochure for details.

Exclusions of Raheja Health QBE Super Top-up Plan
Raheja QBE Health Super Top-up policy does not cover the following expenses:

Investigation and evaluation charges are not covered
Rest, cure, rehabilitation and respite care
obesity and weight control expenses are excluded
Medical emergencies related to adventure sports are not covered
Alcohol, drugs or substance abuse related medical conditions are excluded
Unproven treatments cannot be claimed in the policy
Infertility & Sterility treatments
Maternity expenses are also not payable
Other exclusions include outpatient treatment expenses, treatments outside India
Injury or disease related to war, invasion, warlike operations, or riots

*For the complete list of exclusions, please refer to the Raheja QBE Super Top-up Policy Terms and Conditions

FAQs

Q1. What is the time limit for hospitalization expenses under the Raheja QUBE Health Super Top-up policy?

You can file a claim for hospitalization expenses where a minimum of 24-hours of continuous hospitalization was required. This time limit does not apply to day care treatments.
Q2. What is the sum insured limit of organ donor medical expenses under the Raheja QBE Health Super Top-up policy?

The sum insured limit of organ donor medical expenses under the Raheja QBE Health Super Top-up policy is Rs 2 lakh.
Q3. Till what limit are domiciliary hospitalization expenses covered under the Raheja QBE Health Super Top-up policy?

Domiciliary hospitalization expenses are covered up to Rs 50,000 under the Raheja QBE Health Super Top-up policy.
Q4. What is the room category that I can select under the Raheja QBE Health Super Top-up policy?

You can Single Private AC Room and ICU. For any room above Single Private AC Room such as Super Deluxe Room or Suite, expenses except medicines will be proportionately disbursed in the same ratio as an admissible rate per day of Single Private AC Room Charges. Additional Allowance of Rs 1000 daily in case of shared accommodation.
Q5. Are there any optional benefits under the Raheja QBE Health Super Top-up policy?

Yes, there is one optional benefit under this plan. It is known as the 'Restoration Benefit'. It restores the basic Sum Insured in case if the basic Sum insured is found exhausted during the policy year.

This option is available for those who choose both their deductibles and the sum insured to be above Rs 3 lakh.