Care Health Insurance vs Raheja QBE Health Insurance

When you are fit and active, the possibility of a health scare seems negligible. This holds true especially when you are in your 20s or 30s. Fast forward to a few years later, the chances of health problems increase manifold. But with age, buying health insurance becomes heavy on the pocket. That is why early planning and purchasing of health insurance helps in creating an effective financial fallback in case of medical emergencies. To help you with the purchase, here is a comparison guide of some of the outstanding health plans from Care Health Insurance and Raheja QBE Health Insurance.

Care Health Insurance vs Raheja QBE Health Insurance – Overview 

ParameterCare Health InsuranceRaheja QBE Health Insurance
No. of health insurance policies14+14
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer support Policy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer service 
Branches1000+12+
Claim settlement ratio (CSR)92.3%83%
Network Hospitals 7,800+5,000+

*Source: The Annual Report of the Insurance Regulatory and Development Authority of India (IRDAI) – years 2018-19

Health Insurance Policies: Care Health Insurance vsRaheja QBE Health Insurance

Care Health Insurance offers over 14 health insurance policies. These policies cater to the health cover needs of individuals, families, senior citizens and corporate groups. They also cover critical ailments, maternity, eventualities such as accidents and COVID-19. The company has tie-ups with over 15,500 cashless healthcare providers and features one of the fastest claim settlement turnaround times of 2 hours. 

Raheja QBE Health Insurance offers 14 health insurance policies. These policies serve individuals, families, senior citizens, corporate groups and Indians traveling abroad. The plans also cover accidents, cancer, and COVID-19. The company’s mission revolves around customer-satisfaction and providing customized health insurance plans. 

Top-up Insurance Policy:

Care Health Insurance’s Super Top-up Policy offers:

  • Multiple sum insured (SI) options up to Rs. 30,00,000
  • Deductibles up to Rs. 10,00,000
  • Inclusion of pre, post and in-patient hospitalization expenses 
  • Coverage for daycare treatments and advanced surgeries
  • Organ donor expenses
  • No limit on ICU charges and doctor’s fees  
  • Health check-ups

Raheja QBE’s Super Top-up Policy provides: 

  • SI options up to Rs. 1,00,00,000
  • Reimbursement for pre, post and in-patient hospitalization 
  • Coverage for domiciliary hospitalization and non-allopathic (AYUSH) treatments
  • Expenses towards daycare procedures and organ donor transplant 
  • Inclusion of pre-existing diseases after a 3-year waiting period 
  • Waiver of pre-policy health check-up to avail the policy 

Individual Personal Accident Policy: 

Care Health Insurance’s Individual Personal Accident Policy offers:

  • 3 plan options – Secure 1, Secure 2 and Secure 3
  • SI options up to Rs. 50,00,000
  • The entire SI on accidental death 
  • 50%-100% SI on permanent total disability
  • Compensation on permanent partial disability 
  • Weekly benefit up to Rs. 20,000 for temporary total disability
  • 50%-100% SI for fractures
  • 10%-100% SI for burns 
  • 10% SI towards a child education benefit
  • Up to Rs. 25,000 for diagnostic tests 

Raheja QBE’s Individual Personal Accident Policy provides: 

  • The full SI on accidental death and permanent total disability
  • Up to 75% SI on permanent partial disability 
  • A weekly benefit of Rs. 5,000 up to 104 weeks for temporary total disability 
  • Ambulance costs up to Rs. 1,000
  • Up to Rs. 5,000 towards the emotional assistance of the insured’s dependent children in case of the insured’s accidental death/permanent total disability 
  • 2% SI in case of job loss due to the accident 

Arogya Sanjeevani Policy: 

All insurers in India offer the Arogya Sanjeevani Policy. It is a standard policy issued as per the IRDAIs directive aiming to make health insurance affordable. It shares similar features across different insurers. Both Care Health Insurance and Raheja QBE Health Insurance companies’ Arogya Sanjeevani Policy benefits include: 

  • SI up to Rs. 5,00,000
  • Coverage for pre, post and in-patient hospitalization 
  • Expenses towards AYUSH treatments 
  • 25% SI for cataract treatment 
  • 50% SI for daycare procedures and advanced treatment 
  • Reimbursement up to Rs. 2,000 for ambulance costs per hospitalization

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