{"uin":"RQBHLIP26039V032526","name":"Health QuBE Super Top Up","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526","insurer":{"slug":"raheja-qbe-general-insurance","name":"Raheja QBE General Insurance Co. Ltd.","url":"https://indiainsurances.com/insurer/raheja-qbe-general-insurance"},"line":"health","category":"health-topup","category_name":"Top-up and super top-up","irdai_type":"New","kind":"product","status":"active","approved_on":"2020-04-17","withdrawn_on":null,"summary":"Health QuBE Super Top Up is an indemnity super top-up health policy with an aggregate deductible and individual or family floater sum insured. It covers treatment in India only, has 30 days initial waiting, 36 months PED waiting, and an optional restoration benefit.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:47:24.23297+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One policy runs for one policy year, two policy years or three policy years, as mentioned in the schedule.","display":"one policy year/ two policy years/ three policy years","note":null,"quote":"Policy period means period of one policy year/ two policy years/ three policy years as mentioned in the schedule for which the Policy is issued","sources":[{"clause":"3.43","heading":"Policy period","page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-3-43"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For cashless treatment, call 48 hours before admission; for emergency hospitalization, call within 24 hours of admission. For reimbursement, notice of claim should be given immediately on hospitalization, injury or death.","display":"Cashless: 48 hours before admission; emergency within 24 hours; reimbursement immediately on hospitalization/ injury/ death","note":null,"quote":"The call must be made 48 hours before admission to Hospital and details of hospitalization like diagnosis, name of Hospital, duration of stay in Hospital should begiven. In case of emergency hospitalization the call should be made within 24 hours of admission. ... Notice of claim with particulars relating to Policy numbers, name of the Insured Person in respect of whom claim is made, nature of illness/ injury and name and address of the attending Medical Practitioner/ Hospital/ Nursing Home should be given to Us immediately on hospitalization/ injury/ death","sources":[{"clause":"11.1","heading":"Cashless Facility","page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-1"},{"clause":"11.2","heading":"Reimbursement","page":14,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form duly completed in all respects","Original Bills, Receipt and Discharge certificate / card from the Hospital.","Original Cash Memos from Hospital(s)/Chemist(s), supported by proper prescriptions.","Original Receipt and Pathological test reports from a Pathologist supported by the note from the attending Medical Practitioner / Surgeon demanding such Pathological tests.","Surgeon's certificate stating nature of operation performed and Surgeons' original bill and receipt.","Attending Doctor's / Consultant's / Specialist's / - Anesthetist's original bill and receipt, and certificate regarding diagnosis.","Medical Case History / Summary.","Original bills & receipts for claiming Ambulance Charges","verified photocopies of such documents attested by such other Insurance Company/ reimbursement provider"],"display":"Claim form, original hospital bills and discharge card, prescriptions and cash memos, test reports, surgeon and doctor bills/certificates, medical case history, ambulance bills, or attested photocopies if originals are with another insurer","note":null,"quote":"I) Claim form duly completed in all respects\nII) Original Bills, Receipt and Discharge certificate / card from the Hospital.\nIII) Original Cash Memos from Hospital(s)/Chemist(s), supported by proper prescriptions.\nIV) Original Receipt and Pathological test reports from a Pathologist supported by the note from the attending Medical Practitioner / Surgeon demanding such Pathological tests.\nV) Surgeon's certificate stating nature of operation performed and Surgeons' original bill and receipt.\nVI) Attending Doctor's / Consultant's / Specialist's / - Anesthetist's original bill and receipt, and certificate regarding diagnosis.\nVII) Medical Case History / Summary.\nVIII) Original bills & receipts for claiming Ambulance Charges ... We shall accept verified photocopies of such documents attested by such other Insurance Company/ reimbursement provider.","sources":[{"clause":"11.2.1","heading":"Documents to be submitted","page":14,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-2-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The Company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation within 30 days and settle the claim within 45 days from receipt of the last necessary document; delayed payment carries interest at 2% above the bank rate.","display":"15 days from last necessary document; investigation cases 45 days; delay interest 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim, as may be the case, within 15 days from the date of receipt of last necessary document. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. . In such cases, the Company shall settle the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"11.6(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-6-i"},{"clause":"11.6(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-6-ii"},{"clause":"11.6(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-6-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months","Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 12/36 months","Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident","Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.","Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.","Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions","Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.","Expenses for cosmetic or plastic surgery or any treatment to change appearance","Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent.","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Any expenses incurred on Outpatient treatment (OPD treatment).","Treatment taken outside the geographical limits of India."],"display":"PED, specific illness and first 30 days waiting exclusions, plus diagnostic admission, rest cure, obesity surgery outside conditions, gender change, cosmetic surgery, professional hazardous sports, criminal breach of law, substance abuse, OPD and treatment outside India","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 12/36 months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Any expenses incurred on Outpatient treatment (OPD treatment). ... Treatment taken outside the geographical limits of India.","sources":[{"clause":"8.1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-1-a"},{"clause":"8.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-2-a"},{"clause":"8.3","heading":"First Thirty Days Waiting Period: (Code- Excl03)","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-3"},{"clause":"9.1","heading":"Investigation & Evaluation: (Code- Excl04)","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-1"},{"clause":"9.2","heading":"Exclusion Name: Rest Cure, rehabilitation and respite care: (Code- Excl05)","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-2"},{"clause":"9.3","heading":"Obesity/ Weight Control: (Code- Excl06)","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-3"},{"clause":"9.4","heading":"Change-of-Gender treatments: (Code- Excl07)","page":12,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-4"},{"clause":"9.5","heading":"Cosmetic or plastic Surgery","page":12,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-5"},{"clause":"9.6","heading":"Hazardous or Adventure sports","page":12,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-6"},{"clause":"9.7","heading":"Breach of law: (Code- Excl10)","page":12,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-7"},{"clause":"9.9","heading":null,"page":12,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-9"},{"clause":"9.18","heading":null,"page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-18"},{"clause":"9.19","heading":null,"page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-9-19"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Raheja QBE through the website, toll-free number, email, telephone, courier or branch grievance cell. If not satisfied, contact the grievance officer at complaintsofficer@rahejaqbe.com before approaching IRDAI Bima Bharosa or the Insurance Ombudsman.","display":"Contact Raheja QBE customer care or branch grievance cell first; then grievance officer complaintsofficer@rahejaqbe.com","note":null,"quote":"In case of any grievance the Insured Person may contact the company through\nWebsite: | www.rahejaqbe.com\nToll free: | 1800-102- 7723 (9 am to 8 pm, Monday to Saturday)\nE-mail: | customercare@rahejaqbe.com ... Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance. If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at: ... Website: www.rahejaqbe.com Email: complaintsofficer@rahejaqbe.com","sources":[{"clause":"13","heading":"REDRESSAL OF GRIEVANCE","page":21,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-13"},{"clause":null,"heading":"RAHEJA QBE GENERAL INSURANCE COMPANY LIMITED","page":21,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-raheja-qbe-general-insurance-company-limited"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"8.3","heading":"First Thirty Days Waiting Period: (Code- Excl03)","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"8.1(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-1-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":"Some listed conditions have a 36 months waiting period.","quote":"Expenses related to the treatment of the listed Conditions; surgeries/treatments shall be excluded until the expiry of 12/36 months of continuous coverage after the date of inception of the first policy with the Insurer. This exclusion shall not be applicable for claims arising due to an accident. ... List of applicable disease for 36 months waiting period are:","sources":[{"clause":"8.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-2-a"},{"clause":"8.2(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-2-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"conflicting","value":["Benign ENT disorders","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","Hysterectomy","All internal or external benign tumors, cyst, sinus, polyps of any kind including benign breast lump","Benign prostate hypertrophy","Cataract and Senile Cataract","Gastric and Duodenal Ulcer","Gout and Rheumatism","Hernia of all types / Hydrocele","Non-Infective Arthritis","Piles, Fissures and Fistula in anus","Pilonidal sinus, Sinusitis","Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident","Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.","Varicose Veins and Varicose Ulcers","Treatment for joint replacement unless arising from an accident.","Osteoarthritis and Osteoporosis","Pre-Existing Disease","Schizophrenia (ICD code: F20 to F29)","Psychosis (IDC code: F29)","Dissociative and conversion disorder (ICD Code: F44.9)"],"display":"12-month list includes benign ENT disorders, tonsillectomy, adenoidectomy, mastoidectomy, tympanoplasty, hysterectomy, benign tumors/cysts/sinus/polyps, BPH, cataract, ulcers, gout/rheumatism, hernia/hydrocele, non-infective arthritis, piles/fissures/fistula, pilonidal sinus/sinusitis, spinal disc/spinal diseases, calculi and varicose veins; 36-month list includes joint replacement, osteoarthritis/osteoporosis, PED, schizophrenia, psychosis and dissociative/conversion disorder","note":"Policy wording list is shown in the answer. Prospectus additionally lists: '6. Bipolar Affective Disorders (ICD code: F31.0 to F31.9)\n7 Depression (ICD code: F32.0 to F32.9))\n8. Obsessive Compulsive Disorders (ICD code: F42)'.","quote":"List of applicable disease for 12 months waiting period are:\n1. Benign ENT disorders\n2. Tonsillectomy\n3. Adenoidectomy\n4. Mastoidectomy\n5. Tympanoplasty\n6. Hysterectomy\n7. All internal or external benign tumors, cyst, sinus, polyps of any kind including benign breast lump\n8. Benign prostate hypertrophy\n9. Cataract and Senile Cataract\n10. Gastric and Duodenal Ulcer\n11. Gout and Rheumatism\n12. Hernia of all types / Hydrocele\n13. Non-Infective Arthritis\n14. Piles, Fissures and Fistula in anus\n15. Pilonidal sinus, Sinusitis\n16. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident\n17. Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy.\n18. Varicose Veins and Varicose Ulcers\nList of applicable disease for 36 months waiting period are:\n1. Waiting period of 36 months will be applicable under the Policy to all Pre-existing Diseases, and those specifically declared and accepted at the time of proposal\n2. Treatment for joint replacement unless arising from an accident.\n3. Osteoarthritis and Osteoporosis\n4. Pre-Existing Disease\n5. Schizophrenia (ICD code: F20 to F29)\n6. Psychosis (IDC code: F29)\nDissociative and conversion disorder (ICD Code: F44.9)","sources":[{"clause":"8.2(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-8-2-c"},{"clause":"18","heading":"Varicose Veins and Varicose Ulcers","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729#c-18"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":null,"quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"10","heading":"Moratorium Period","page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"You may port the entire policy with all family members to another insurer by applying at least 45 days before and not earlier than 60 days from the premium due date. If continuously covered without lapses under an Indian General/Health insurer, accrued continuity benefits in waiting periods are available as per portability guidelines.","display":"Porting allowed; apply 45 to 60 days before premium due date, with accrued continuity benefits if continuously covered without lapses","note":null,"quote":"The insured person will have the option to port the policy to the insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the premium due date of his/her existing policy as per extant guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per extant guidelines on portability.","sources":[{"clause":"12.17","heading":"Portability","page":19,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-17"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Life Long","note":null,"quote":"Renewability | Life Long","sources":[{"clause":null,"heading":"Prospectus","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729#c-prospectus"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"12.18","heading":"Renewal of Policy","page":19,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-18"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"You may cancel by giving 7 days written notice. If no claims are made, the Company refunds proportionate premium for the unexpired policy period on a prorate basis; if claims are made, there is no refund.","display":"7 days written notice; pro-rata refund for unexpired period if no claims; no refund if claims made","note":null,"quote":"a) The policyholder may cancel this policy by giving 7 days written notice.\nb) In case the Policyholder requests cancellation of the Policy, where no claims are made under the Policy, the Company shall refund proportionate premium for the unexpired policy period on prorate basis.\nc) In case the Policyholder requests for cancellation of the Policy, where there are claims made under the Policy, then there shall be no refund of premium for the unexpired policy period.","sources":[{"clause":"12.14","heading":"Cancellation","page":18,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-14"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"All medical treatment for the purpose of this insurance must be taken in India only.","display":"India only","note":null,"quote":"All medical treatment for the purpose of this insurance will have to be taken in India only.","sources":[{"clause":"12.8","heading":"Territorial Limit","page":17,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-8"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days from date of receipt of the Policy","note":null,"quote":"The insured shall be allowed a period of thirty days from date of receipt of the Policy, whether received electronically or otherwise, to review the terms and conditions of the Policy.","sources":[{"clause":"12.21","heading":"Free look period","page":20,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-21"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 Days for Yearly, Half Yearly and Quarterly","note":"The product's listed premium modes are Yearly, Half Yearly and Quarterly, each with 30 Days. The definition clause also mentions fifteen days where premium payment mode is monthly.","quote":"Options | Installment Premium Option | Grace Period Applicable\nOption 1 | Yearly | 30 Days\nOption 2 | Half Yearly | 30 Days\nOption 3 | Quarterly | 30 Days ... fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"12.13","heading":"Premium Payment Options","page":18,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-13"},{"clause":"3.20","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-3-20"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The proposer can be between 18 years and 65 years. Children can be covered from 3 months to 25 years, maximum three, if either parent is covered; a higher-age proposer can obtain a policy for family without covering self.","display":"Proposer 18 years to 65 years; children 3 months to 25 years","note":null,"quote":"Policy can be availed by persons between the age of 18 years and 65 years, as Proposer. Proposer with higher age can obtain policy for family, without covering self. ... Children between the age of 3 months to 25 years, Maximum Three, if either of the parents are covered with us.","sources":[{"clause":null,"heading":"Who can take this policy?","page":7,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729#c-who-can-take-this-policy"},{"clause":"21(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729#c-21-c"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Quarterly","Half Yearly","Annually"],"display":"Quarterly, Half Yearly and Annually","note":null,"quote":"Mode of Premium:\nQuarterly, Half Yearly and Annually","sources":[{"clause":null,"heading":"Period of Insurance","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729#c-period-of-insurance"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Restoration of Sum Insured"],"display":"Restoration of Sum Insured","note":"Available only if opted by paying additional premium.","quote":"Restoration of Sum Insured: If insured has opted for this cover, We will restore up to 100% of the Sum insured once in a policy year ... These benefits are available w.r.t. the members, for whom these optional covers have been opted by You by paying additional premium","sources":[{"clause":"7.1","heading":"Restoration of Sum Insured","page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-7-1"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage will not be available during the period for which no premium is received. The definition clause says the insurer shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"No coverage during grace period unless instalment premium grace-period coverage applies","note":null,"quote":"Coverage will not be available during the period for which no premium is received. ... Provided we the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... Coverage is not available during the grace period.","sources":[{"clause":"3.20","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-3-20"},{"clause":"12.18","heading":"Renewal of Policy","page":19,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-18"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"The amount (per claim or per year) that must be crossed before this policy pays. Your base policy or you pay this part.","status":"quote-verified","value":"The policy has an aggregate deductible. The deductible options range from minimum 1 Lakh to maximum 50 Lakh, and the insurer pays covered medical expenses in excess of the aggregate deductible per policy year.","display":"Aggregate deductible, minimum 1 Lakh to maximum 50 Lakh, per policy year","note":null,"quote":"Aggregate Deductible: Aggregate deductible is a cost-sharing requirement under this Policy that provides that the Company will not be liable for a specified rupee amount of the covered expenses, which will apply before any benefits are payable by the Company. ... Deductible Options: Minimum:1 Lakh, Maximum: 50 Lakh ... The company will pay for the Medical Expenses, in excess of aggregate deductible stated in the Policy Schedule on the aggregate of covered medical expenses exceeds the aggregate deductible applicable on policy per year basis depending upon the plan opted.","sources":[{"clause":"3.3","heading":"Aggregate Deductible: Aggregate deductible","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-3-3"},{"clause":"21(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729#c-21-c"},{"clause":"12.10","heading":"Application of Aggregate Deductible","page":17,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-12-10"}],"law":[]},{"key":"deductible_basis","label":"Per claim or aggregate","section":"Limits and co-pay","meaning":"Top-up: deductible applies to each claim. Super top-up: to the total of all claims in the year.","status":"quote-verified","value":"aggregate","display":"Aggregate","note":null,"quote":"The deductible is applicable in aggregate towards hospitalization expenses covered and admissible as per terms and conditions of this policy and incurred during the policy period by insured (individual policy) or insured family (in case of floater policy)","sources":[{"clause":"3.3","heading":"Aggregate Deductible: Aggregate deductible","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-3-3"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"Daily room limit, if any.","status":"quote-verified","value":"Room rent, boarding expenses and nursing expenses are covered up to Single Private AC Room. If admitted to a higher room category, all rates exceeding that limit are proportionately reduced except cost of medicines; ICU/ICCU expenses are covered without any sublimit.","display":"Up to Single Private AC Room; ICU/ICCU without sublimit; proportionate deduction for higher room except medicines","note":null,"quote":"Room Rent, Boarding Expenses, Nursing Expenses as provided by the Hospital/ nursing home upto Single Private AC Room and we shall pay additional allowance of Rs. 1000/- per day upto the chosen sum insured limits, if insured has opted for the shared accommodation. ... Intensive Care Unit (ICU) / Intensive Cardiac Cate Unit (ICCU) expenses covered without any sublimit. ... In case of admission to a room higher than the Single Private AC Room, i.e. Super Deluxe room, Suite or any other premium category room over and above Single Private AC room, all the rates exceeding the aforesaid limits, the reimbursement/payment of all other expenses incurred at the Hospital, with the exception of cost of medicines, shall be effected in the same proportion","sources":[{"clause":"4(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-4-i"},{"clause":"4(ii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-4-ii"},{"clause":"4(vi)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-4-vi"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"Share of each admissible claim you pay.","status":"quote-verified","value":"A co-payment of 50% applies for all admissible claims under the Advance Treatment benefit.","display":"50% for Advance Treatment","note":"No general co-payment is stated in the cited policy wording excerpt.","quote":"We will pay the cost of the treatment listed below or part of the treatments (wherever medically indicated) either as in-patient or as part of domiciliary hospitalization or as day care treatment in a hospital. A co-payment of 50% will be applicable for all admissible claims under this benefit.","sources":[{"clause":"6","heading":"Advance Treatment","page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-6"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless facility may be provided for hospitalization expenses directly or through the TPA if treatment is at a Network Hospital and pre-authorization is issued. Cashless facility is not available in Non-network Hospital and may be declined even at a network hospital if admissibility is not established.","display":"Available at Network Hospital by pre-authorization, directly or through TPA; not available in Non-network Hospital","note":null,"quote":"The company may provide Cashless facility for Hospitalization expenses either directly or through the TPA if treatment is undergone at a Network Hospital by issuing Pre-Authorization letter to the health care service provider. ... Cashless facility will not be available in Non-network Hospital and may be declined even for treatment at a network hospital where the information available does not conclusively establish that a claim in respect of the treatment would be admissible.","sources":[{"clause":"11.1(I)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-1-i"},{"clause":"11.1(IV)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716#c-11-1-iv"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Floater basis - SI shall apply to the entire family","note":null,"quote":"Floater basis - SI shall apply to the entire family (Maximum up to seven member)","sources":[{"clause":"21(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729#c-21-c"}],"law":[]}],"documents":[{"kind":"wording","label":"Health QuBE Super Top Up - Policy wordings","pages":47,"fetched_at":"2026-10-17 19:59:01+00","source_url":"https://rahejaqbe.com/uploads/images/group-health-super-topup/pdf/download/group-health-super-top-up-policy-wordings-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14709"},{"kind":"wording","label":"Health QuBE Super Top Up - Policy wordings","pages":37,"fetched_at":"2026-10-17 19:59:18+00","source_url":"https://rahejaqbe.com/uploads/images/health-qube-super-topup/pdf/download/health-QBE-super-topup-policy-wordings-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14716"},{"kind":"wording","label":"Health QuBE Super Top Up (IRDAI copy)","pages":39,"fetched_at":"2026-10-20 02:32:46+00","source_url":"https://irdai.gov.in/documents/37343/931203/RQBHLIP20009V012021_2020-2021.pdf/19328fc1-54df-8d38-ccdf-3dd63f056b6f?version=1.1&t=1668749276627&download=true","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/28716"},{"kind":"prospectus","label":"Health QuBE Super Top Up - Prospectus","pages":33,"fetched_at":"2026-10-17 19:58:54+00","source_url":"https://rahejaqbe.com/uploads/images/group-health-super-topup/pdf/download/group-health-super-top-up-prospectus-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14706"},{"kind":"prospectus","label":"Health QuBE Super Top Up - Prospectus","pages":82,"fetched_at":"2026-10-17 19:59:10+00","source_url":"https://rahejaqbe.com/uploads/images/health-qube-super-topup/pdf/download/health-QBE-super-topup-prospectus-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14729"},{"kind":"cis","label":"Health QuBE Super Top Up - Customer information sheet","pages":9,"fetched_at":"2026-10-17 19:56:51+00","source_url":"https://rahejaqbe.com/uploads/images/group-health-super-topup/pdf/download/group-health-super-top-up-cis-V02.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14665"},{"kind":"cis","label":"Health QuBE Super Top Up - Customer information sheet","pages":10,"fetched_at":"2026-10-17 19:57:21+00","source_url":"https://rahejaqbe.com/uploads/images/health-qube-super-topup/pdf/download/health-QBE-super-topup-cis-V03.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526/document/14673"}],"versions":[{"uin":"RQBHLIP20009V012021","version":null,"approved_on":null},{"uin":"RQBHLGP26043V022526","version":null,"approved_on":null},{"uin":"RQBHLIP26039V032526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Raheja QBE General Insurance official website","url":"https://www.rahejaqbe.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://rahejaqbe.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://rahejaqbe.com/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Health QuBE Super Top Up (UIN RQBHLIP26039V032526), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/health-qube-super-top-up-rqbhlip26039v032526"}