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Raheja QBE General Insurance
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Raheja QBE General Insurance

Raheja QBE was established in December 2008, certified and registered by the IRDAI with its headquarters in Mumbai. It is an amalgamation between Prism Cement Limited of RajanRaheja Group - leading building material company with a wide range of products, and QBE Holdings Pvt Limited of Australia - the largest global insurer in Australia with its presence in more than 45 countries and is revered with an A+rating by the Standard and Poor's Insurance Financial Strength Rating System. The goodwill and credibility of both the companies in their respective fields make Raheja QBE General Insurance a highly secure option and provides a multitude of insurance options for both individuals and corporates.

Raheja QBE General Insurance: Present Position

The vision and mission of Raheja QBE General Insurance are always to keep their customers as a priority and provide the best and most accurate customer service. They want to be on the forefront as an Insurance Company providing the best plans and policies to their customers, thus building up a worthwhile and long-term relationship with their policyholders and other stakeholders.

The main aim of Raheja QBE is to provide world-class financial security in the form of exclusive insurance plans which aim to generate financial independence amongst policyholders and are brilliant in providing the best customer service to all.

  • Raheja QBE General Insurance is growth-oriented
  • Their aim is to not to stick to the usual but to go above and beyond
  • Maintain transparency with their customers and employees with no hidden agendas
  • Taking ownership and being answerable to their people and their customers
  • Simple, easy, convenient, hassle-free, and user-friendly
  • Customer loyalty and customer satisfaction is their priority.
  • Agility – Quick response system, issue resolution, and maintains a balance between updated technology and human involvement.
  • Customer centricity – The main aim is to provide the best customer experience on their products, services, and processes through a forecasted omnichannel experience.
  • Innovation – User-friendly innovations in sync with the latest trends, changing regulatory environment, and other dynamics like the demand and supply situation existing in the market
  • Collaboration – Maintains a relatively close connection with customers and build a team to provide the best and most productive resolution
  • Trust – The company's motto is to maintain transparency, honesty, trust, and straightforwardness, which in turn creates an excellent customer experience.

Raheja QBE General Insurance: Product and Services

Raheja QBE general insurance products are categorised as health and motor, where the insurer makes sure to give utmost attention for different needs of an individual while designing the products. Let’s know a bit about Raheja QBE General Insurance products here:

RahejaQBE Health Insurance

Raheja QBE health insurance offers the much-needed financial protection in the time of need. The policy provides extensive coverage for unplanned medical expenses arising out of an accidental or illness-related hospitalisation. Health insurance plans of Raheja QBE are:

  • Health QuBE
  • ArogyaSanjeevani Policy
  • Health QuBE Super Top Up
  • Cancer Insurance
  • Individual Personal Accident Insurance
  • Group personal Accident Insurance
  • Hospital Daily Cash Group
  • PravasiBhartiyaBimaYojana
  • Corona Kavach
  • Group Corona Kavach Policy

Raheja QBE Motor Insurance

Raheja QBE Motor Insurance protects the insured against losses that may arise from the damage of the vehicle or if it gets stolen. It also covers third-party liabilities caused by the insured vehicle. Motor insurance is mandatory in India as per the Motor Vehicles Act 1988. The policy coverage is also extended to vehicles used for commercial and professional use, where any losses arising out of its use or any accident or maintenance/repair expenses will be taken care of the insurance provider.

Raheja QBE Motor insurance plans are of four types-

  • Car Insurance
    • Liability Only Private Car Policy
    • Private Car Package Policy
    • Private Car Policy-Bundled
    • Car Standalone Own Damage Policy
  • Two Wheeler Insurance
    • Liability Only-Two Wheeler
    • Two Wheeler Package Policy
  • Personal Accident Cover to Owner Driver
  • Commercial Vehicle Insurance
  • Liability Only-Goods Carrying Vehicles

Liability Only-Passenger Carrying Vehicle

Renewal Process of Raheja QBE General Insurance

Raheja QBE general insurance policies require timely renewal to enjoy the policy benefits uninterruptedly. One can easily renew the policy with paisawiki.com by following a few simple steps:

The standard step by step method to renew a policy is as follows:

  • Step 1 - Login to the official website of paisawiki.com, enter basic details along with the policy number and expiry date of the policy.
  • Step 2 – After selecting the correct renewal option, the insured needs to make an online payment towards the renewal of the policy plus any arrears of premium that had not been paid while the policy was in the previous term.
  • Step 3 – After the online authorization and verification, the website provides a digitally signed copy of the policy, and the policyholder can retrieve a printout.
  • Step 4 – After the new policy's renewal process is complete, the insured can visit the website and check all his details and make modifications if required. He can also check for the latest updates and other policy related details through the website.

Documents Required for Renewal of Health Insurance

The following details need to be provided to renew the insurance policy:

  • ID proof of the Insured - such as Passport, Aadhaar, Driver’s Licence, PAN card, etc.
  • Income Proof (Situational) – Bank Statements, Salary Slips, Deeds, and Documents regarding ongoing business, etc.
  • Address proof of the Policyholder - Passport, Aadhaar, Electricity bills, etc.
  • Medical screening documents (if applicable)
  • In the case of health insurance, Medical certificate needs to be attached if required.

Documents Required for Renewal of Motor Insurance

The following details need to be provided to renew the insurance policy:

  • Policyholder's personal details like name, DOB, Gender, Occupation, etc.
  • Driving License
  • Motor Registration Number
  • Vehicle Insurance Policy Details
  • Banking Details

Claim Process of Raheja QBE General Insurance

Raheja QBE has an excellent claim process system in place, providing the best service to customers. Their aim is to become the first choice of every consumer in the country by providing unbiased, unprejudiced, friendly, and timely settlement to all valid claims raised by policyholders.

To register a claim, the following information is required:

  • Policy Number
  • Date and time of Loss
  • Location of damaged property
  • A brief description of the reason which has generated a claim
  • Name and Contact Number of people, nominee or beneficiary with proof of identity handling the claim.

Below is a step by step guide for the claim process

  • Step 1 – The insurer must contact the insurance company and inform them of the upcoming claim along with a valid reason through the official website of the insurance company.
  • Step 2 – The claim intimation should be made in 24-48 hours to avoid any delay in approvals or authorization.
  • Step 3 – Documents stated above, like policy number and personal details along with proofs and documents that have been asked for pertaining to the typical kind of policy that the claim has been applied for, should be submitted as asked.
  • Step 4 – The claim form should be properly filled and signed with all the relevant personal and professional details as required.
  • Step 5 – The claim request will be verified and authorized by Raheja QBE and the decision of processing the claim within the stipulated time is informed to the insured.

Health Insurance Claim

Health insurance can be claimed for cashless and reimbursement

Cashless Claim

If the policyholder gets hospitalized in one of the network hospitals as specified by the insurer, it becomes a cashless claim and is processed directly by the insurance company.

Reimbursement Claim

In this case, the insured pays for all the hospitalization and medical expenses, and after submission of all relevant documents, the same amount as per the sum insured is reimbursed to the insured by the insurer.

Documents Required for Health Insurance Claim Settlement

Claim documents usually include:

  • Original investigation reports
  • Drugs and Medicines bills along with the prescription
  • FIR or post-mortem report
  • Original bills, receipts, and discharge report
  • Original hospital bills and a valid photo ID proof
  • Doctor's report, and original consultation notes
  • Final hospital discharge summary
  • Duly filled claim form
  • Test reports with doctor’s or surgeon’s report
  • Nature of operation performed and attached the surgeon's bill and receipt

Claim Process of Raheja QBE Motor Insurance

Like health insurance, Raheja QBE Motor insurance can be claimed for availing cashless or reimbursement benefits:

Steps for cashless claim are mentioned below:

  • Step 1: Registration of Claim
  • Step 2: Survey of Vehicle for Damages
  • Step 3: Get Your Vehicle Repaired
  • Step 4: Claim Settlement

Reimbursement Claim: The insured can avail the repair services from a non-network garage, pay the bills upfront and file a claim for reimbursement of the incurred expenses.

Documents Required for Raheja QBE Motor Insurance Claim Settlement

The following documents are the be produced while claiming Raheja QBE motor insurance:

  • Duly filled and signed claim form
  • Motor Registration Certificate (RC)
  • Driver's license
  • Copy of FIR, if applicable
  • Original receipt or bills of repairs
  • In case of a stolen vehicle - No Trace Report
  • Policy document
  • Total loss or theft – NOC to be issued by the financer - No Objection Certificate
  • Discharge Voucher

Premium Payment of Raheja QBE General Insurance

If General Insurance Policies are bought directly from the branch or through a broker/agent, then the payment towards purchase/renewal can be in Cash/Cheque/other modes of payment.

Online Payment can also be processed through the following modes on a yearly, half-yearly, quarterly, or monthly basis through the official website or through paisawiki.com:

  • NEFT/IMPS
  • Net Banking
  • Debit or credit card
  • BHIM and UPI

Awards and Achievements

The 18th edition of Asia Pacific HRM Congress which was held at Taj Yeshwantpur in Bangalore, honored the MD and CEO of Raheja QBE General Insurance, Mr Pankaj Arora as the “CEO with HR Orientation” award and the insurance company is proud to have him as a precious mentor and is extremely privileged to gain his constant support and expertise.

The insurer has recently received three prestigious awards in 2020 at the National Award for Marketing Excellence organised by CMO Asia-

  • The Emerging Brand of the Year
  • Brand Builder of the Year
  • Best New Service

FAQs

  • Q. If in the case of Motor Insurance under Raheja QBE General Insurance, the previous policy expired a long time ago, can the policy be renewed?

    Ans: Since the time period of the previous policy's lapse has been long overdue, a fresh policy will have to be purchased by the policyholder, and he/she will not be able to extend or renew the same policy. The vehicle will have to be physically inspected by a professional representative of the insurance company. The entitlement and providence of the No Claim Bonus will be applicable as per the terms and conditions of the policy at the specific point of time.

  • Q. What does the term ‘Co-Payment’ mean in the terminology of General Insurance? 

    Ans: Co-Payment means when the insured agrees to pay a portion of the  with claim payment in case of any financial losses arising. For example, a policyholder raises a co-payment of his health insurance policy with the Raheja QBE health Insurance plan of 20%. In case of any medical contingency and the rising of a claim, whatever amount the settlement will take – 20% of the total cost will be borne by the policyholder himself and the rest of the claim amount by the insurance company as promised in the contract by both the parties.

  • Q. What are the different types of Motor Insurance that are made available by the insurance company? 

    A.3. There are different varieties of Motor Insurance offered by the Insurance company, and the policyholder has the option to choose from the below-given options to protect his personal/commercial vehicle:

    The basic insurance covers offered are as under:

    • Car Insurance
      • Liability Only Private Car Policy
      • Private Car Package Policy
      • Private Car Policy-Bundled
      • Car Standalone Own Damage Policy
    • Two Wheeler Insurance
      • Liability Only-Two Wheeler
      • Two Wheeler Package Policy
    • Personal Accident Cover to Owner Driver
    • Commercial Vehicle Insurance
    • Liability Only-Goods Carrying Vehicles

    Liability Only-Passenger Carrying Vehicle

  • Q. What are the general exclusions under Raheja QBE General Insurance Company for cumulatively all the policies?

    Ans: The General exclusions are:

    • Radioactive contamination
    • War risks
    • Wilful acts
    • Gradually occurring losses
    • Public Authority
    • Accidental external means  
  • Q. What are some of the most important Health Insurance Plans offered by Raheja QBE General Insurance Company?

    Ans: Some of the Health Insurance Plans are:

    • Health QuBE
    • ArogyaSanjeevani Policy
    • Health Qube Super Top Up
    • Cancer Insurance
    • Individual Personal Accident Insurance
    • Group Personal Accident Insurance
    • Hospital Daily Cash–Group
    • PravasiBhartiyaBimaYojana
    • Corona Kavach Policy
  • Q. What are the important documents that need to be submitted while making a Health/Hospitalisation claim under the health insurance segment of Raheja QBE General Insurance Company?

    Ans: There is a list of additional documents require to be submitted at the hospital desk before making a health or hospitalization claim besides the personal details of the patient and the policy number:

    • Properly filled claim form with details and signatures of the insured and doctor
    • Discharge summary with the medical details and the availed treatment
    • Hospital Bill with the detailed break-up with bills and payment receipts
    • Doctor’s consultation papers
    • All investigation and tests reports
    • All chemist bills with doctor prescriptions
    • Implant sticker or invoice
    • Medico-legal certificate or FIR for all accident cases
    • Detailed prescription of the treating doctor
    • Copy of the health card
    • Referral letter of the Medical Practitioner advising Hospitalization
    • Indoor case paper
    • FIR and final report of the police if applicable
    • Post-mortem report, if applicable
    • Death Certificate from the municipal authorities
    • Death Summary from the Hospital
    • Inquest or a Panchnama Report
    • Coroner’s Report
  • Q. What are the relevant factors to consider when the patient is claiming reimbursement towards his health insurance under Raheja QBE General Insurance Company?

    Ans: Before making any claims for the reimbursement of hospitalization expenses for which although the policyholder has already made the payment for, towards the hospital now he needs to claim for reimbursement of the amount he has paid towards his medical bills:

    • The insured need to mention correct and complete communication address with the pin code on the claim form.
    • The person must keep a photocopy of the claim documents submitted to the insurance company.
    • The claim form is to be completely filled and signed by the insured and the attending doctor.
    • He/she needs to mention the mobile number on the claim form.
    • All original claim documents should be submitted within 30 days from the date of discharge.
    • In any kind of correspondence made with the insurance company, the insured must mention his claim number for reference.
  • Q. What are the exclusions under the personal Accident Policy provided by Raheja QBE?

    Ans:  These following are the exclusions of the Personal Accident Insurance offered by the Raheja QBE:

    • Self-injury, suicide, insanity, venereal disease
    • Death due to pregnancy or delivery of a baby
    • Abuse of drugs or liquor
    • Breach of law with criminal intention
    • On duty with armed forces
    • War and a nuclear group of perils
    • Injury/death while participating in adventurous activities
    • Adventure Sports
    • Terrorism
  • Q. What are the factors that decide the calculation of premiums to be paid towards any insurance policy?

    Ans:  Many factors play a key role in calculating and deciding the amount of premium to be paid towards any policy by the policyholder, such as:

    Age of the policyholder (in case of family floater policies, the age of the eldest member of the family will have an impact on the premium calculation)

    • Pre-existing diseases
    • Additional riders if bought
    • The profession of the policyholder
    • If co-payment is applied for
    • The lifestyle of the insured
    • Number of dependents
  • Q. Can there be a direct cancellation/modification or transformation in the existing policy by the insurance company?

    Ans: Raheja QBE has the right to cancel, renew or reject a policy if there is any kind of dishonesty, non-disclosure of relevant information, fraud or misrepresentation of vital details by the customer.

    • After taking appropriate approval from IRDAI, the insurance company can withdraw or cancel a policy at any point of time, and the same will be percolated to the policyholder along with options and choice that he may use after the insurer has taken action.
    • If there is any modification, update, upgrade, revision or transformation made to any existing terms and conditions or the blueprint of the policy document, the same will be intimated instantly to the policyholder.
Written By: Paisawiki - Updated: 05 November 2020

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