The largest Australian insurer, QBE Insurance and the Indian conglomerate, Rajan Raheja Group, have joined hands to bring you the dynamic Raheja QBE General Insurance Company Limited. Its efforts are divided into local and global strategies, meaning the company, which is making huge strides in India in terms of insurance, is able to offer quality insurance products that can be customised for local needs.
In the burgeoning insurance landscape in India, Raheja QBE has emerged as a name to reckon with. In order to cater to the needs of a fickle market, it provides tailored products as well as superior customer service. It’s the focused platform, as well as the passion for transparent insurance process – why this insurance company is chosen by many!
Raheja QBE provides an array of insurance products—from motor and health to intricate liability and engineering covers. With the hallmarks of agility, competitive pricing and expeditious claims settlement, this insurer presents itself as a perfect risk management answer to both retail and corporate sectors.
Company Background
Established in 2007, Raheja QBE is a joint venture between the Indian conglomerate Rajan Raheja Group and QBE Holdings Pty Limited, a wholly owned subsidiary of QBE Insurance Group. The intention was to introduce global insurance practices in India, but with an Indian tune.
Raheja QBE has significantly grown over the years. Initially concentrating on commercial insurance. Over time, the company widened its product range to cover personal insurance (including health and motor). The Company’s expansion plan has been prudent, considering risk evaluation, underwriting capacity, and customer-focused innovation.
Key Milestones and Business Highlights
- 2008: Started operations in India
- 2012: Forayed into retail health and motor segments
- 2016: Partnered with multiple digital platforms to offer paperless policies
- 2020: Crossed 1 million policies sold
- 2023: Recognised as top niche insurer for corporate liability covers
Mission: To provide innovative, responsive and secure insurance solutions to give peace of mind to policyholders.
Vision: To be the insurer of choice in India by delivering best-in-class service and sustainable insurance solutions with integrity and care.
Why Choose Raheja QBE General Insurance Company?
- Global Expertise with Local Knowledge
QBE’s global experience and Raheja’s local market knowledge, combined together, brings insurance solutions that are relevant and reliable. - Customised Insurance Products
Raheja QBE doesn’t believe in one-size-fits-all solutions. Their products are designed for individual and business needs, with flexible options for every customer. - Strong Claims Support
A quick and transparent claims process is a big plus. Their dedicated claims support ensures minimal hassle and faster resolution. - Technology-Driven Services
From mobile-based policy servicing to AI-enabled underwriting, Raheja QBE uses technology to make insurance accessible and seamless. - Focus on Corporate Risk Solutions
Businesses trust Raheja QBE for complex insurance coverage like liability, marine, engineering and cyber insurance—crafted with deep risk understanding. - Transparent Pricing and Coverage
Policyholders love their no-hidden-clauses approach. They offer clearly defined terms and competitive rates, so you know what you are paying for. - ESG and Green Insurance Efforts
Raheja QBE is one of the few insurers promoting green practices like paperless insurance and EV coverages. Their ESG commitment adds social value. - Wide Network of Partners
With strategic partnerships, digital platforms and direct servicing, Raheja QBE is always within reach of its customers.
Raheja QBE General Insurance- Product Portfolio
A. Car Insurance
Raheja QBE has motor insurance policies that cover your car in case of accidents, theft and third party liabilities.
Different Insurance Schemes:
- Private Car Package Policy: Own damage and third party liability are included in it.
- Stand-Alone OD Policy: In case of vehicles having a third party policy.
- Third-party Only Policy: This is legally binding and it includes the third-party liabilities.
What is Included?
- Injuries as a result of accidents
- Fire or explosion or self ignition
- Theft / burglary
- Disaster (flood, earthquake etc)
- Third party legal liability
What is Not Included?
- Unlicensed driving
- Damages due to driving under the influence of alcohol
- Short Circuit/Power Failures
- Nuclear risks and war
- Depreciation , wear & tear
B. Health Insurance
Plans provided by the company include health insurance that protects you financially in case of medical emergency against accidents, illnesses and diseases. You can customise them as well.
Insurance Plans:
- Health QBE Plan: Offers both individual-level and family-level personalised benefits
- Top-Up Cover: It comes with extra cover once the threshold limits are reached
- Group Health Plans : These plans cater to the needs of corporate employees
What is Included?
- Hospitalisation expenses
- The cost of pre and post-hospitalisation costs
- Daycare procedures
- Ambulance charges
- AYUSH treatment insurance
What is not in the Coverage?
- Preexisting disease (comes with waiting period)
- Cosmetic procedures
- Dental treatments
- Self-inflicted injuries
- Experimental treatments
C. Commercial Auto Insurance
This is a type of insurance that covers vehicles that are in business use , against damage and third party claims.
Various Insurance Schemes:
- Goods carrying vehicles policy
- Passenger Carrying Vehicles Policy
- Fleet Insurance
What is Covered?
- Accidental damage
- Theft
- Natural calamities
- Fire/explosion
- Third-party liability
What is not Covered?
- Damage outside the specified geographical area
- Drunk driving accidents
- Abandonment and depreciation
- Overloading issues
- Contractual liability
D. Personal Accident Insurance
This insurance policy provides compensation in case of death or disability occasioned by accidents.
Various Insurance Schemes:
- Personal Accident Plan
- Group Accident Cover
- Accidental Hospital Cash Plan
What Does It Cover?
- Accidental death
- Permanent total disability
- Partial disability
- Medical expenses
- Funeral costs
What is Out of the Insurance Coverage?
- Intentional injuries
- Involvement in hazardous sports
- War-related injuries
- Suicide attempts
- Drug abuse
E. Commercial Property Insurance
Covers business properties against natural disasters, burglary and fire.
Various Insurance Schemes:
- Standard Fire and Special Perils Policy
- Industrial All-Risks Insurance
- Burglary Insurance
What is Included?
- Lightning and fire damages & losses
- Implosion or explosion
- Natural disasters
- Burglary and robbery
- Strike and riot
What will not be covered?
- Wilful negligence
- General wear and tear
- Consequential loss
- Nuclear risks
- Electronic breakdown
F. Commercial General Liability Insurance
Insures against liabilities resulting from bodily injuries or property damages caused to other people.
Different Insurance Plans:
- General Liability Insurance
- Product Liability Insurance
- Premises Liability Insurance
What is Included?
- Third-party damage /Third party bodily injury
- Property damage
- Costs of defending oneself in court
- Medical expenses
- Products liability
What does not fall under it?
- Deliberate acts
- Contractual liability
- Employee injuries
- Pollution damage
- Terrorism or war
G. Marine Insurance
Provides financial protection to transit cargo and marine operations.
Various Insurance Schemes:
- Marine Cargo Insurance
- Inland Transit Cover
- Hull Insurance
What is Included?
- Transit losses
- Theft on transit -Thefts in the middle of the transportation process
- Fire / explosion
- Natural calamities
- Collision
What is not Covered?
- Delayed delivery
- Improper packing
- Inherent defects
- War perils
- Customs seizure
H. Professional Liability Insurance
Indemnifies professionals against claims of negligence or mistakes.
Various Insurance Schemes:
- Errors and Omissions Insurance
- Directors and officers liability
- Medical Professional Indemnity
What is Included?
- Negligence claims
- Legal costs
- Client losses
- Slander/libel
- Confidentiality infringement
What is Not Covered?
- Fraudulent acts
- Property damage
- Bodily injury
- Contractual disputes
- Cybercrime
I. Construction and Engineering Insurance
This insurance policy is tailored for infrastructure and civil engineering projects and to address the risks of construction.
Diverse Insurance Plans:
- Contractor’s All Risk
- Erection All Risk
- Machinery Breakdown Insurance
What is Included?
- Damage to sites due to accidents
- Natural disasters
- Equipment theft
- Machinery failure
- Fire or explosion
What is not Covered?
- Wilful negligence
- Design defects
- Existing faults
- Common wear and tear
- Political risks
J. Workmen Compensation Insurance
Provides statutory and employers liability insurance coverage against injuries at the workplace.
Various Insurance Plans:
- Workmen Compensation Policy
- Employee Group Personal Accident
- Employee Compensation Add-on policy
What is Included?
- Medical expenses
- Disability compensation
- Legal liability
- Death benefits
- Rehabilitation costs
What is not Covered?
- Non-employee claims
- Injuries in illegal employment
- War-related incidents
- Wilful misconduct
- Pre-existing conditions
K. Home Insurance
The main assets of individuals, their homes and possessions, are financially protected by Raheja QBE General Insurance Policies. They provide a flexible variety of domestic property insurance.
- Domestic Burglary Insurance:
HouseBreaking and Burglary Insurance offers monetary compensation in the event that burglary or housebreaking causes property on one’s premises to be lost or damaged. Property on one’s premises, stocks, and products owned by the insured or held in trust and/or commission are all covered by the insurance policy. On specific requests, it also protects cash, valuables, and securities stored in a locked safe or cash box in a secured steel cupboard. By paying an extra premium, the policy can be expanded to include coverage for theft, riot, strike, and malicious damage.
- Domestic Fire Insurance:
Both movable and immovable properties on land are covered by Raheja QBE General Insurance Standard Fire and Special Perils Insurance (excluding the cost of land). For an extra premium, the policy can be expanded to cover specific new risks and costs. It safeguards one’s monetary investment in assets, including buildings and their contents, if they are harmed by a variety of perils. In addition, the policy pays up to 1% of the claim amount for debris removal costs and up to 3% of the claim amount for architects, surveyors, and consulting engineers.
By paying an extra payment, the fire insurance policy’s coverage can be expanded. The following are some of the major optional extensions that are available: impact damage from own vehicles, forklifts, cranes, spontaneous combustion, failure to insure additions, alterations, and extensions; earthquake; leakage and contamination cover; loss of rent; damage from terrorism; and fees for architects, surveyors, and consulting engineers (exceeding 3% of the claim amount) and debris removal (exceeding 1% of the claim amount).
Claims Process
Raheja QBE makes the process of settling claims easy and fast. These processes are meant to help in alleviating stressful situations.
Claims Process: Step by Step
- Contact the insurance provider at once by phone or by email.
- Submit the duly filled claim form.
- Submit accompanying and relevant documents (FIR, hospital bills, repair bills, and so on).
- The surveyor evaluates the damage.
- After the verification, the claim is paid and settled.
Renewal Process
Raheja QBE provides online and offline policy renewal services so that the services will be convenient and uninterrupted.
How to Renew Your Raheja QBE Policy
- Go to the official site or mobile application.
- Go to the ‘Renew Your Policy’ feature.
- Enter the relevant policy information.
- Read and refresh information, if needed.
- Pay through the secure process, as directed.
- The policy document is issued immediately.
The Bottomline:
Raheja QBE General Insurance Company symbolises trust, innovation and excellence in services. It has a well-diversified product base, transparent operations and a customer base that is increasing every year. All these have made it a favourite insurance partner already to many Indians. Whether you are looking to secure your health, vehicle, business or professional practice—Raheja QBE has you covered. With its future orientation, digital prowess and ethical aspects, Raheja QBE does fit firmly on the map of India’s insurance future.
