Raheja QBE health insurance review
Raheja QBE General settles 89.5% of its health insurance claims and receives 70.1 complaints per 10,000 policies, from IRDAI published data averaged over the last three financial years. That is 24 of 31 on settlement ratio and 29 of 30 on complaints, where fewer is better.
IRDAI published data, weighted over three financial years. Last checked 2026-07-26. Compare all 31 health insurers
What the numbers say about Raheja QBE
The settlement ratio is the weaker of the two figures: across health insurers it sits inside a narrow band, so it rarely separates a good insurer from a poor one. The complaint rate does the work. It runs from 4.2 at Bajaj General to 173.6 at Navi General, roughly 41 times. Raheja QBE sits at 70.1, toward the weaker end of that range.
Neither figure describes a policy. What decides your claim is the wording you bought: the waiting periods, the room-rent rule, the sub-limits and what you disclosed when you applied.
Making a Raheja QBE claim
IRDAI requires a cashless decision within 1 hour for a planned procedure and 3 hours in an emergency, with final authorisation at discharge within 3 hours (Master Circular on Health Insurance Business, 29 May 2024). If a planned authorisation passes the hour with no query raised, that is a breach you can escalate.
Raheja QBE questions, answered
Is Raheja QBE health insurance good?
Raheja QBE General settles 89.5% of claims and draws 70.1 complaints per 10,000 policies, ranking 29 of 30 on complaints. The complaint figure is the one that separates insurers - across the market it spans roughly 41 times, while settlement ratios sit within a few points of each other. Neither number describes a specific policy; the wording decides your claim.
What is the Raheja QBE claim settlement ratio?
89.5%, as a weighted average of the last three financial years from IRDAI published data, which ranks Raheja QBE General 24 of 31 health insurers. Read it alongside the complaint figure rather than on its own.
How do I make a Raheja QBE claim?
Cashless at a network hospital needs pre-authorisation from the hospital insurance desk, 48 hours ahead for a planned admission. IRDAI requires the insurer to decide within 1 hour for a planned procedure and 3 hours in an emergency. Our Raheja QBE claim guide covers the full workflow, the document checklist and the escalation ladder if it stalls.
Where can I read the Raheja QBE policy wording?
We have not yet published plan-by-plan breakdowns for Raheja QBE General. The claim guide below covers how its claims actually run, and our advisors read the wording of any Raheja QBE plan you are considering before recommending it.
Whether Raheja QBE suits you depends on the wording, not the ratio
We read the policy before recommending it, and we handle the claim when it comes. If you are weighing Raheja QBE against another insurer, talk it through first.
Talk to an advisor →NYVO is an IRDAI-registered corporate agent (composite), licence CA1085. Figures are from IRDAI published disclosures, reproduced without adjustment, and describe the insurer rather than any individual policy.
