Raheja QBE Health QuBE Plan

• Individual/Family health cover
• Enjoy cashless hospitalization at network hospitals
• Add-on covers to enhance policy benefits
• Grab 10% premium discount on buying policy directly through website
• Portability option is available
• Avail Lifelong renewability
• Tax benefits applicable

• In-patient hospitalization expenses such as hospital room rent, ICU, diagnostic procedures, anaesthesia, operation theater charges, surgical appliances, medicines, drugs, etc. are covered, when the insured is hospitalized for at least 24 hours.
• Pre hospitalization expenses are covered for 30/60 days (depending on the sum insured chosen) before hospitalization.
• Post hospitalization expenses are covered for 60/90 days (depending on the sum insured chosen) after hospitalization.
• 140 listed day care procedures or surgeries are covered.
• Hospital daily allowance is payable, in case of in-patient hospitalization for a maximum of 6 consecutive days of hospitalization per claim.
• Organ donor expenses incurred for harvesting the organ are covered.
• Medical expenses incurred for domiciliary hospitalization are covered.

• Re-instate 100% of the sum insured during a policy year, subject to its exhaustion due to the claims paid.
• Ambulance charges are covered up to a limit specified.
• Annual health check-up can be availed by the insured person aged 18 years & above, provided it is conducted at network providers.
• Get sum insured increase by 10% on cashless hospitalization
• Avail ‘No Claim Bonus’ as 5% of the sum insured, subject to a maximum of 50% of the original sum insured and it is applicable for a no-claim policy year.
• Non-medical expenses are covered, when opted for cashless in-patient hospitalization.
• Cost incurred towards pre-acceptance medical test is covered.
• Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

• Room rent is capped up to 1% per claim amount.
• ICU charges are capped up to 2% per claim amount.
• Doctor fees are capped up to 25% per claim amount.
• Hospital daily allowance is Rs 500 per day when sum insured is Rs 1 to 2 lacs.
• Organ donor benefit is 20% of the sum insured, applicable for sum insured 3 to 50 Lacs.
• Ambulance charges are covered up to Rs 500/Rs 1500/Rs 2500 for sum insured of Rs 1 to 2 Lacs/Rs 3 to 9 Lacs/Rs 10 to 50 Lacs, respectively.
• Domiciliary hospitalization expenses are covered up to a maximum amount of Rs 15,000/Rs 25,000/Rs 50,000/Rs 1,50,000 for sum insured of Rs 1 to 2 Lacs/Rs 4 to 9 Lacs/Rs 10 to 20 Lacs/Rs 20 to 50 Lacs, respectively.
• Non-medical expenses are covered up to a daily amount of Rs 1000/Rs 2000/Rs 3000/Rs 5000 for sum insured of Rs 4 to 6 Lacs/Rs 7 to 9 Lacs/Rs 10 to 15 Lacs/Rs 15 to 50 Lacs, respectively.

Note: In 20 Lakh & above sum insured, the base coverage doesn’t have sub limits for room rent, ICU & doctor fees.

• Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
• Specific Waiting Period: Specific illnesses such as Pancreatitis, Surgery of Hydrocele/Rectocele, Calculus diseases of gall bladder, Non infective arthritis, Sinusitis, etc. are covered after 24 months of policy coverage.
• Pre existing Disease Waiting Period: Any pre-existing disease/injury that was diagnosed/acquired within 48 months from the issuance of the first policy.

• War and/or war-like occurrence
• Self-inflicted Injury
• Treatment arising from pregnancy or related complications
• Unproven/Experimental treatments
• Congenital External Anomaly
• Mental illness, stress or psychological disorders
• Aesthetic treatment, cosmetic surgery or related treatment
• Non-allopathic treatment
• Any OPD Treatment
• HIV/AIDS & other STDs
• Treatment received outside India, etc.