🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
When comparing the New India Assurance Floater Mediclaim Policy with the Raheja Qbe 1cr Supersaver Policy, the key differences revolve around coverage and affordability. The New India Assurance Floater Mediclaim Policy offers comprehensive health coverage for families on a floater basis, allowing multiple members to be insured under a single sum insured, with features like cashless treatment, lifelong renewability, and a reliable claim settlement record. On the other hand, Raheja Qbe’s 1cr Supersaver Policy targets individuals seeking higher protection with a huge sum insured of ₹1 crore at relatively low premiums, often as a top-up, catering to those worried about high medical expenses. While both policies provide robust medical coverage, your choice depends on whether you prioritize comprehensive family-oriented benefits (New India Floater Mediclaim) or high-value, cost-effective, large sum insured protection (Raheja Qbe 1cr Supersaver), particularly for catastrophic health events.
Author
Read Bio
Reviewed by
Read Bio
The selection of appropriate health insurance plan is more than ever as the cost of medicine is also on the rise and lifestyles in India are changing. The New India Assurance Floater Mediclaim Policy and the Raheja Qbe 1 Crore Supersaver Policy are two of the most popular family insurance products in 2025 offering comprehensive protection to families. Each of them is attractive in its own way, and it is possible to make the correct choice by knowing their characteristics, the distinctions between them, and who they are the best to use.
The guide demonstrates a comparative, practical overview of those policies, the practical information in the real world, and the latest information regarding the coverage of the policies as of 2025, advantages and disadvantages, and solutions to frequently asked questions.
Did you know? The penetration in urban India in 2024 would be the first instance where it topped 40 percent indicating that the customization of policies to suit families is essential.
The two policies serve families and individuals interested in protecting themselves against high medical costs. Their product structures, sum insured options and special highlights are however different. New India Assurance Floater Mediclaim is stable baseline protection and Raheja Qbe 1 Crore Supersaver is aimed at those that want very high sum insured but at a low cost.
Experts Vision: A floater plan of Rs 10 lakh cover might be sufficient today but middle-income families in urban areas are considering at least Rs 25 lakh to Rs 1 crore sum insured, primarily to cover unexpected large-scale illnesses, says Dr. Nidhi Saini, insurance expert.
We will dissect the main coverage, inclusions, and value for money distinguishing between the two policies, with the point of emphasis on 2025 features.
| Feature / Criteria | New India Assurance Floater Mediclaim | Raheja Qbe 1 Crore Supersaver |
|---|---|---|
| Sum insured options | Rs 2 lakh - Rs 15 lakh | Rs 50 lakh / Rs 1 crore |
| Policy Type | Family Floater / Individual | Family Floater / Individual |
| Room Rent | Capped in accordance with sum insured | Single pvt room (usually uncapped) |
| Maternity cover | Available (waiting required) | Add-on |
| Critical Illness Cover | Add-on | Included up to base SI |
| Pre/Post Hospitalisation | 30/60 days | 60/180 days |
| Restoration Benefit | Available (in some cases as add-on) | Provided as normal |
| Network Hospitals | 3,000+ in the country | 6,500+ network |
| No-claim Bonus | Yes | Yes |
| Daycare Procedures | 140+ | 550+ |
| Domiciliary/AYUSH | Yes | Yes |
| Ambulance Cover | Rs 2,500 per hospitalisation | Rs 5,000 per hospitalisation |
| Entry Age | 3 months - 65 years old | 90 days - 65 years old |
| Renewal Age | Lifetime | Lifetime |
Rahul and Nisha resided in Pune and were interested in getting health cover to their parents, two children and themselves. They deemed the New India Assurance Floater Mediclaim to be pocket friendly in the regular operations, but in 2024 when Rahul father was diagnosed with cancer, which required a hospital bill of Rs 17 lakh they upgraded in the year 2025. The Raheja Qbe 1cr Supersaver financed the entire costs of a future critical event at a small increment premium in the deductible.
This knowledge of strengths and weaknesses of a given policy can assist in the selection of the one that suits you best. Here are the major points:
Advantages:
Disadvantages:
Advantages:
Disadvantages:
Q: What happens to be a deductible in health insurance?
A: This is the amount of the claim that you pay out of pocket before claim is paid out by the insurer, which is usually observed in super top-up or high sum plans such as Raheja Qbe 1cr Supersaver.
In the smaller Indian cities, hospitalisation costs have increased three to four times since 2020 in many families. In 2025, one operation, specialised cancer treatment, liver or heart transplant may cost between Rs 20 lakh and even more than Rs 1 crore in reputed urban hospitals.
Did you know? In India, competition and online distribution systems has made health insurance premiums of Rs 1 crore cover 30 percent cheaper since 2022.
A key factor to buyers is premium. We can examine some sample quotes of a family of four (husband 40, wife 38, two children under 15), non-smokers, in 2025.
| Policy | Rs 5 lakh SI | Rs 10 lakh SI | Rs 25 lakh SI | Rs 50 lakh SI | Rs 1 crore SI |
|---|---|---|---|---|---|
| New India Assurance Floater mediclaim | Rs 16,300 - Rs 22,950 - Rs 32,600 - Rs 30,000 - Rs 40,000 - Rs 80,000 - Rs 80,000 - Rs 20,000 - Rs 20,000 - Rs 30,000 - Rs 30,000 - Rs 40,00 | ||||
| Raheja Qbe 1cr Supersaver (with 5L deductible) | NA | NA | Rs 10,800 | Rs 16,700 | Rs 19,300 |
SI = Sum Insured per year
NA = not available.
Q: Can I combined both policies?
A: Ideal combo would be a base plan such as Floater Mediclaim (Rs 5 lakh or Rs 10 lakh) + a super top-up such as Raheja Qbe 1cr Supersaver, which will form an umbrella between day to day illness and rare life events.
Clients are very sensitive to efficiency in settlement of claims and customer care. New India Assurance is an old PSU and it is stable whereas Raheja Qbe is valued because of quick approvals in cashless hospitals.
New India Assurance Floater Mediclaim case was applied to Mrs. Shah of Ahmedabad to her accidental surgery of her daughter, the payment was made directly to the hospital. She later on married a man who had a major surgery done in a heart centre in Mumbai and a combination of the Floater cover and the Raheja Supersaver was used to cover the entire bills reducing out-of-pocket expenses. In 2025, she discovered that both insurers had a responsive customer care through mobile applications.
Changes between one insurer to another are permitted by IRDAI rules. New India Assurance provides policyholder the option of transferring in or out with credit on waiting period. Raheja Qbe allows users to increase sum insured during renewal, which at times may require new underwriting.
Hint: It is always a good idea to compare waiting times and exclusions before porting. The first three years of policy purchase are easier to upgrade.
Did you know? By 2025 almost 60 percent of those families who want Rs 50 lakh plus cover are taking a PSU base policy, and adding a top-up or super top-up by a private insurer to enjoy layered protection.
Both New India Assurance Floater Mediclaim Policy and Raheja Qbe 1 Crore Supersaver Policy are concerned with various needs in 2025. Floater Mediclaim is a strong entry or base plan of up to Rs 15 lakh. Raheja Qbe is aimed at high-value protection but with the condition of a required deductible, which is appropriate to high-income or metro urban families, or those who already have a base plan. Compare features, exclusions, and cashless networks - and evaluate your risk, location, and family needs before you purchase online insurance through reputable insurance marketplaces.
Q: What is Raheja Qbe 1 Crore Supersaver, is it a top-up or base policy?
A: It is a mainly a super top-up policy, which is designed to complement a basic mediclaim policy, and kicks in once hospital bills exceed the deductible.
Q: Are there both policies that cover Covid-19-related hospitalisation in 2025?
A: Both do, but have Covid-19 and post-Covid complications cover as required by the regulator.
Q: Can you include parents to my family floater plan?
A: Insurers both permit the addition of dependent parents, but there are premium and age restrictions.
Q: What is the general waiting process of pre-existing illnesses within these policies?
A: 36 to 48 months normal. Never overlook particular policy language.
Q: How can I compare and purchase these policies online?
A: Online markets provide easy access to premiums, features and network hospitals by offering you the ability to compare insurance offerings of various providers and purchase online.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
