Edelweiss Health Insurance vs Raheja QBE Health Insurance

As you age, your responsibilities towards yourself and your family increases and having financial stability helps fulfill a major part of them. But irrespective of the amount of financial reserve you have, it is always a good idea to have different forms of insurance to reduce strain and be more cost-efficient. One form of insurance that you should consider adding to your portfolio is health insurance as it covers the costs of various medical emergencies and their treatments at prevailing market rates. It combats inflation, keeps your savings intact and lets you focus on recovering from a health crisis. Moreover, there are health insurance policies for every budget and need. Take a step closer to protecting the health of your loved ones with this comparison guide of Edelweiss Health Insurance and Raheja QBE Health Insurance.

Edelweiss Health Insurance vs Raheja QBE Health Insurance – Overview 

ParameterEdelweiss Health InsuranceRaheja QBE Health Insurance
No. of health insurance policies810+
E-servicesPolicy salePolicy renewal Claim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlementBranch locatorOnline consultation24x7 customer service
Branches10+12+
Claim settlement ratio (CSR)85.57%83%
Cashless claim settlement time72 hoursUnspecified
Hospital network2,570+5,000+

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

Health Insurance Policies: Edelweiss Health Insurance vs Raheja QBE Health Insurance

Edelweiss Health Insurance offers 8 health insurance policies to cover the health needs of individuals, families, senior citizens and corporate groups. It is part of the trusted Edelweiss Group and has good performance metrics such as a CSR of 85.57% and a cashless claim settlement time of 72 hours. 

Raheja QBE Health Insurance offers more than 10 health insurance policies. These policies cater to the health needs of individuals, families, senior citizens and corporate groups. It has Indian and Australian roots and years of insurance expertise. 

Top-up Insurance: 

Edelweiss Health Insurance’s Top-up Policy offers: 

  • Multiple sums insured and deductible options
  • Coverage for: 
  • Pre and post-hospitalization
  • In-patient hospitalization
  • Maternity and newborn baby care 
  • Up to 25 critical illnesses and their treatment 
  • Second medical opinion
  • Out-patient dental expenses 
  • Ambulance charges 
  • Daily hospital cash 
  • Indemnification of: 
  • AYUSH treatment expenses. These include treatment systems of: 
  1. Ayurveda
  2. Unani 
  3. Siddha
  4. Homeopathy 
  • Daycare treatment expenses 
  • Domiciliary hospitalization expenses 
  • Organ donor expenses 
  • Assistive services 
  • 100% restoration of the SI 

Raheja QBE has a Top-up Policy called Health QuBe Super Top-up. It offers: 

  • SI up to Rs. 1,00,00,000
  • Co-payment amount options up to Rs. 50,00,000 
  • Coverage for
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • AYUSH treatments 
  • Daycare procedures
  • Organ donor expenses
  • Mental disorder treatment 
  • Pre-existing diseases after a 3-year waiting period  
  • Restoration of the SI on exhaustion 

Group Health Insurance: 

Edelweiss Health Insurance’s Group Health Policy offers: 

  • Coverage for: 
  • 30 days of pre-hospitalization
  • 60 days of post-hospitalization
  • In-patient hospitalization 
  • Daycare treatments 
  • OPD treatments 
  • Accidents
  • Ear nose throat (ENT) disorders and their treatments after a 2-year waiting period 
  • Pre-existing diseases after a 4-year waiting period 
  • Reimbursement of: 
  • AYUSH treatment expenses
  • Domiciliary hospitalization expenses 
  • Wellness and preventive care services 

Raheja QBE’s Group Health Policy offers: 

  • SI up to Rs. 1,00,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • Post-accident hospitalization
  • AYUSH treatments
  • Organ donor expenses 
  • Lasik treatment 
  • 140+ daycare procedures
  • Critical illness treatment 
  • Infertility treatment
  • Vaccination expenses 
  • Advanced technology treatments 
  • Maternity and newborn baby care  
  • Injuries due to engaging in adventure sports 
  • Bariatric surgery for weight-control 
  • Ambulance charges 
  • Daily hospital cash
  • Tele-consultation and assistive services 

Arogya Sanjeevani Policy: 

Edelweiss Health Insurance and Raheja QBE Health Insurance both offer the Arogya Sanjeevani Policy. The insurance policy shares standard features across insurance providers and gives: 

  • SI up to Rs. 5,00,000
  • Coverage for
  • 30 days of pre-hospitalization 
  • 60 days of post-hospitalization
  • In-patient hospitalization 
  • Domiciliary hospitalization 
  • Daycare procedures 
  • AYUSH treatments  (including Naturopathy)
  • Cataract treatment 
  • Advanced treatments 
  • Pre-existing diseases after a 4-year waiting period
  • Ambulance charges up to Rs. 2,000 
  • Daily hospital cash benefits 
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