Raheja QBE Qube Basic Must-look Features & Claims Settlement Ratio

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Insured Member(s)

You

Age of eldest member

26-30

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Insuring You
Eldest Member Age: 26-30
Sum Insured: ₹ 5L

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Sum Insured

₹ 5L₹ 10L₹ 15L₹ 20L₹ 25L

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Raheja QBE Qube Basic

Product features56/100
Price95/100
Claims experience36/100

1 Finance Score:59/100

1 Finance Rank

Must-Look Features

Room Rent1% of SI per day for a non ICU room
No Claim Bonus (NCB)Max up to 100% of SI
Recharge of SI (RSI)Up to 100% of SI once in a policy year
Pre-Existing Diseases (PED)Covered after 3 years
Co-payment (Co-Pay)No Co-pay until the entry age of 60
Health and WellnessAnnual health check up available

Claims Experience

Claim Settlement Ratio (CSR) - Number79.00%
Claim Settlement Ratio (CSR) -Amount71.62%
Incurred Claim Ratio (ICR)106% signifies an adverse financial position
Ageing of Claim98.04%
Network Hospitals5000

Standard Features

Pre-hospitalisation60 days
Post-hospitalisation90 days
Daycare treatments140 daycare procedures Covered up to SI
Ambulance cover₹1,500 (SI:₹3L and ₹9L) ₹2,500 (SI: ₹10L and ₹50L)
Domiciliary hospitalisationYes
Organ donor cover20% of the SI
Second opinion-
Daily allowance
-
AYUSH treatmentNot Covered
Modern treatment methods-

SI:Sum Insured

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About Raheja QBE

Raheja QBE General Insurance Company Ltd is a joint venture between Rajan Raheja Group's Prism Cement and Australia's QBE Holdings Pty Ltd. In this general insurance venture, Prism Cement owns a 74% share, while QBE Holdings owns the remaining 26%.

About Raheja QBE

FOUNDED IN2007
CEORajeev Dogra
HEADQUARTERSMumbai, India
AUM₹850.08 Cr
GROSS WRITTEN PREMIUMS (GWP)₹315.69 Cr
COMBINED RATIO
Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.
A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.
137.09%