Raheja QBE Health Insurance vs HDFC ERGO Health Insurance

To find an all-around health insurance policy, all it takes is a little research and comparative analysis on the internet. Leading health insurance providers offer insurance policies at competitive rates. You can also take the help of data and content syndicators for making such comparisons. The scope of benefits provided varies across different insurance providers. Comparing the policies offered by two providers at a time will help you understand what to look for in a health insurance cover. Check out this Raheja QBE Health Insurance and HDFC Ergo General Health Insurance comparison guide for starting your purchasing journey. 

Raheja QBE Health Insurance versus HDFC Ergo General Health Insurance – Overview 

ParameterRaheja QBE Health InsuranceHDFC Ergo General Health Insurance
Number of health insurance plans1410+
E-servicesPolicy sale, Policy renewal, Claim settlement, Branch locator, Online consultation, 24×7 customer servicePolicy sale, Policy renewal, Claim settlement, Branch locator, Online consultation, 24×7 customer service
Branches12+100+
Claim settlement ratio83%92%
Network Hospitals 5,000+10,000+

*Source: IRDAI Annual Report 2018-19

Health Insurance Policies: Raheja QBE Health Insurance versus HDFC Ergo General Health Insurance

Raheja QBE offers 14 health insurance policies for individuals, families and corporate groups. They provide coverage against critical illnesses, accidents, COVID-19, among other health problems. 

HDFC Ergo offers over 10 health insurance policies that cover the needs of individuals, families, and senior citizens. They provide coverage against critical illnesses, accidents, and COVID-19, among other health issues. 

With Raheja QBE Health Insurance and HDFC Ergo General Health Insurance companies’ offering details listed below, you will be able to make an informed choice. 

Family Floater Policy: 

Raheja QBE offers 2 family floater health insurance policies – Health QuBE and Health QuBE Super Top Up. They provide:

  • A sum insured (SI) amount up to Rs.1,00,00,000
  • Indemnification of pre, post and in-patient hospitalization expenses 
  • Coverage for day care treatment and domiciliary hospitalization
  • Indemnification for organ donor expenses and AYUSH # treatment 
  • Coverage for dental treatment owing to a disease/ injury
  • A waiver of pre-policy medical test for individuals aged up to 55 years 
  • Coverage for pre-existing diseases after completion of 12-36 months of the waiting period

# – AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)

HDFC Ergo offers 5 family-centric insurance policies: 

  1. Optima Restore Family Plan
  2. My: Health Suraksha Silver Smart 
  3. My: Health Suraksha Gold Smart 
  4. My: Health Suraksha Platinum Smart
  5. My: Health MediSure Super Top Up Plan

These policies offer: 

  • A sum insured (SI) amount up to Rs.75,00,000
  • Coverage for pre, post and in-patient hospitalization expenses 
  • Coverage for 500+ daycare procedures, alternate (AYUSH) treatment 
  • Coverage for domiciliary hospitalization, advanced treatment and organ donor expenses 
  • A recovery benefit up to Rs.25,000
  • A daily hospital cash allowance 
  • A mental healthcare cover
  • An emergency air and road ambulance cover 

Arogya Sanjeevani Policy: 

Raheja QBE Arogya Sanjeevani Policy provides: 

  • Indemnification of pre, post and in-patient hospitalization expenses 
  • Indemnification of expenses incurred for AYUSH treatment 
  • Indemnification for cataract treatment (limited to 25% of SI) 
  • 50% of SI for daycare procedures 
  • Coverage for dental treatment/ plastic surgery owing to disease or injury
  • Cover for road ambulance costs (up to Rs.2000 per hospitalization) 

HDFC Ergo Arogya Sanjeevani Policy provides:

  • Coverage for pre, post and in-patient hospitalization expenses
  • Payment of 25% of SI for cataract treatment 
  • Coverage for daycare procedures and AYUSH treatment
  • Payment of 50% of SI for 12 surgical procedures
  • Coverage for dental treatment and plastic surgery owing to a disease/ injury
  • A road ambulance cover (up to Rs.2000 per hospitalization) 

COVID-19 Policy: 

Both, Raheja QBE Health Insurance and HDFC Ergo General Health Insurance provide coverage against COVID-19 in their Corona Kavach policies. As per IRDAI’s directive, the policy term is fixed for 3.5, 6.5 or 9.5 months. 

Raheja QBE Corona Kavach Policy provides: 

  • A sum insured (SI) amount ranging between Rs.50,000 and Rs.5,00,000
  • Indemnification of pre, post and in-patient hospitalization expenses 
  • Indemnification of treatment under AYUSH systems 
  • Coverage for home treatment 

HDFC Ergo Corona Kavach Policy provides:

  • A SI amount between Rs.50,000 to Rs.5,00,000
  • Coverage for pre, post and in-patient hospitalization expenses 
  • Coverage for AYUSH treatment and home treatment 
  • Coverage for treatment of any COVID-19 comorbidities 

This comparative guide of Raheja QBE Health Insurance versus HDFC Ergo General Health Insurance will ease your purchase decision. 

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