COCOCure Health Insurance vs Raheja QBE Health Insurance

Take a moment to stop and ask yourself if you have these – warm food on the table, a loving roof over your shoulders, and a guaranteed monthly income. All these simple yet rich necessities stem from having a healthy mind and body, which would be difficult to achieve if you were unwell. Acknowledging this can make you realize how vital your health is. Now, you can be grateful for it, but you should also strive to have a back-up financial plan to fall on if anything goes wrong. A financial tool you can rely on during tough times is health insurance. Learn what it holds through this COCOCure Health Insurance and Raheja QBE Health Insurance comparison guide. 

COCOCure Health Insurance vs Raheja QBE Health Insurance – Overview 

ParameterCOCOCure Health InsuranceRaheja QBE Health Insurance
No. of health insurance policies910+
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer helpPolicy salePolicy renewalClaim settlementBranch locatorOnline consultation24x7 customer service
Branches1712+
Claim settlement ratio (CSR)97%83%
Cashless claim settlement time 24-48 hoursUnspecified
Hospital network5,000+5,000+

*Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – years 2019-20.

Health Insurance Policies: COCOCure Health Insurance vs Raheja QBE Health Insurance

COCOCure Health Insurance offers 9 health insurance policies. They have been operating all over India since 2017 and have amassed over 1.1 million customers. Buying a health insurance policy from them will ensure your claim is settled 97 times out of 100. 

Raheja QBE Health Insurance offers over 10 all-round health insurance policies. They operate on a global scale and have won several awards for their stellar performance and team of experts in the insurance sector. 

Top-up Insurance: 

COCOCure Health Insurance has the Super Top-up Policy. It offers: 

  • Sums insured (SI) up to Rs. 1,00,00,000
  • Deductible amounts up to Rs. 20,00,000 for co-payment of the SI 
  • Coverage for:
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Domiciliary (home) hospitalization 
  • Organ donor expenses 
  • AYUSH treatments that include:
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Pre-existing diseases after a 48-month waiting period 
  • Optional covers such as: 
  • Daily hospital cash 
  • Waiver of mandatory co-payment 
  • Reduction in the waiting period for pre-existing diseases
  • Automatic restoration of the SI on exhaustion

Raheja QBE’s Top-up Policy called Health QuBe Super Top-up offers: 

  • SI up to Rs. 1,00,00,000
  • Deductible amounts up to Rs. 50,00,000 for co-payment of the SI
  • Coverage for
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Daycare procedures
  • Organ donor expenses
  • AYUSH treatments 
  • Pre-existing diseases after a 3-year waiting period  
  • Reinstatement of the SI on exhaustion 

Group Insurance: 

COCOCure Health Insurance’s Group Health Insurance Policy offers: 

  • SI up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • Daycare procedures 
  • Organ donor expenses 
  • AYUSH treatments 
  • Maternity and newborn baby needs 
  • Mental illnesses and their treatment 
  • HIV/ AIDS treatment 
  • Critical illnesses 
  • Vaccination needed due to an animal bite 
  • Dental treatment needed due to an accident 
  • Ambulance charges
  • Second medical opinion

Raheja QBE’s Group Health Insurance Policy offers: 

  • SI up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • Organ donor expenses 
  • Over 140 daycare procedures
  • AYUSH treatments 
  • Advanced technology treatments 
  • Maternity and newborn baby needs 
  • Injuries due to engaging in adventure sports 
  • Bariatric surgery for weight-control 
  • Ambulance charges 

COVID-19 Insurance: 

Both COCOCure Health Insurance and Raheja QBE Health Insurance offer insurance policies for COVID-19 treatment. These include: 

The Corona Kavach Policy, that offers:

  • SI up to Rs. 5,00,000
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • AYUSH treatments 
  • Comorbidity treatment 
  • Ambulance charges 
  • Daily hospital cash

Separately, only COCOCure Health Insurance offers the Corona Rakshak Policy that offers: 

  • SI up to Rs. 2,50,000
  • 100% payout of the SI on the diagnosis of COVID-19 and a minimum requirement of 72 hours of continuous hospitalization. 

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