SBI General Health Insurance vs Raheja QBE Health Insurance

Protecting our loved ones from loss of any kind is intrinsic human nature. That is why it is vital to have a safety net if something unfortunate is to happen to you or them. You can build this safety net with health insurance – a product that gives you the necessary financial support in tough times, leaving you enough room to focus on resting and recovering.  All you have to do is pay small sums called premiums from time to time to unlock its benefits. Take a look at these health insurance policies from SBI General Health Insurance and Raheja QBE Health Insurance to get an idea of what health insurance has to offer. 

SBI General Health Insurance vs Raheja QBE Health Insurance – Overview 

Parameter SBI General Health InsuranceRaheja QBE Health Insurance
No. of health insurance policies1114
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer supportPolicy salePolicy renewalClaim settlementBranch locatorOnline consultation24x7 customer service
Branches22,000+12+
Claim settlement ratio 59.42%83%
Network Hospitals 6,000+5,000+

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

Health Insurance Policies: SBI General Health Insurance vs Raheja QBE Health Insurance

SBI General Health Insurance and Raheja QBE Health Insurance both offer over 10 health insurance policies. These policies provide extensive protection for the health insurance needs of individuals, families, and senior citizens. 

Top-up Policy: 

SBI General Health Insurance’s Top-up Policy gives:

  • Sum Insured (SI) amounts up to Rs. 50,00,000
  • Deductible amount options up to Rs. 10,00,000
  • Insurance coverage for
  • Pre and post-hospitalization expenses 
  • In-patient hospital expenses 
  • Domiciliary/home hospitalization costs 
  • Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatments 
  • 141 daycare procedures
  • Organ donor expenses 
  • Maternity expenses after 9 months 
  • 50% of the SI for 12 modern/advanced treatments 
  • 10% of the SI for congenital diseases 
  • Up to Rs. 1,00,000 for HIV/AIDS treatment, genetic disorders and mental illnesses 
  • Ambulance costs up to Rs. 5,000 per hospitalization 

Raheja QBE’s Top-up Policy gives: 

  • SI amounts up to Rs. 1,00,00,000
  • Deductible amount options up to Rs. 50,00,000
  • Insurance coverage for
  • Pre and post-hospitalization expenses 
  • In-patient hospital expenses 
  • Daycare procedures
  • Pre-existing diseases after 3 years 
  • Organ donor expenses up to Rs. 2,00,000
  • Up to Rs. 50,000 for domiciliary/home hospitalization costs 
  • Up to Rs. 50,000 for AYUSH treatments

Personal Accident Policy: 

SBI General Health Insurance’s Personal Accident Policy gives:

  • SI amounts up to Rs. 1,00,00,000
  • 100% of the SI on accidental death
  • 100% of the SI for permanent total disability  
  • Up to 100% of the SI for permanent partial disability  
  • Rs. 10,000 per week for temporary total disability 
  • Rs. 50,000 for the education costs of the insured’s dependent children 
  • Rs. 25,000 towards reparation of the insured’s vehicle and home 
  • Road and air ambulance costs up to Rs. 1,00,000
  • Daily hospital cash benefits up to Rs. 3,000 per day

Raheja QBE’s Individual Personal Accident Policy gives: 

  • 100% of the SI for accidental death
  • 100% of the SI for permanent total disability 
  • Up to 75% of the SI for permanent partial disability 
  • Rs. 5,000 per week for up to 104 weeks for temporary total disability 
  • Rs. 5,000 towards an education fund for the insured’s dependent children 
  • Rs. 2,500 for funeral expenses and Rs. 1,000 for transportation expenses 
  • 2% of the SI in case of job loss due to a permanent total disability 
  • Reimbursement of hospitalization expenses 
  • Daily hospital cash benefits of Rs. 500 per day 

Daily Hospital Cash Policy: 

SBI General Health Insurance’s Daily Hospital Cash Policy gives: 

  • Daily cash benefits (DCB) up to Rs. 2,000 for a maximum of 60 days 
  • Twice the DCB (up to Rs. 4,000) for intensive care unit (ICU) hospitalization 
  • Twice the DCB (up to Rs. 4,000) for hospitalization due to an accident 
  • Convalescence benefits up to Rs. 5,000

Raheja QBE’s Daily Hospital Cash Policy gives: 

  • DCB up to Rs. 5,000 a maximum of 180 days 
  • Twice the DCB for ICU hospitalization 
  • Twice the DCB for hospitalization due to an accident 
  • DCB up to Rs. 5,000 for daycare procedures 
  • Convalescence benefits up to Rs. 10,000 
  • A loss of income benefit up to Rs. 1,000
  • An international emergency benefit up to Rs. 25,000 
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