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Last updated on: August 7, 2025
The New India Assurance Floater Mediclaim Policy and Raheja Qbe Health Qube Supersaver Policy are leading health insurance options, each offering unique benefits. The Floater Mediclaim Policy provides comprehensive family coverage under one sum insured, flexibility in adding members, lifelong renewability, and robust hospital network access. In contrast, the Health Qube Supersaver Policy by Raheja Qbe focuses on affordability with customizable coverage, multiple add-on options, and higher sub-limits on certain benefits like daycare procedures and alternative treatments. While New India Assurance is favored for wide acceptance and straightforward claims, Raheja Qbe offers competitive premiums and extensive inclusions for value-seekers. Choosing between them depends on individual needs—opt for New India Assurance for simplicity and family-wide cover, or Raheja Qbe for tailored savings and versatile add-ons.
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In 2025, health insurance is a necessity that the Indian families cannot compromise. The emergence of health challenges in terms of rising hospital costs and the risk of lifestyle diseases brings the necessity to have a powerful and adaptable health cover. Among all the options, the New India Assurance Floater Mediclaim Policy and Raheja QBE Health Qube Supersaver Policy can be distinguished due to their low cost, personalization, and the ability to cover the family. This informative article will compare these two best plans on each aspect-features, inclusions, prices, claim experience, and other special considerations, in order to choose the most appropriate one to suit you.
Both are a full health insurance product designed to serve Indian families or groups. The New India Assurance Floater Mediclaim is a classic plan of one of the oldest general insurers in India, which gives the floater options and hospitalisation benefits. Raheja QBE Health Qube Supersaver is a new product; it offers more flexibility, high covers, and value through its super saver design.
| Requirements | New India Assurance Floater Mediclaim | Raheja QBE Health Qube Supersaver |
|---|---|---|
| Type | Family floater | Modular, super-saver, floater. |
| Min entry age | 3 months (child), 18 years (adult) | 90 days (child), 18 years (adult) |
| policy term options | 1 to 3 years | 1 to 3 years. |
| Room rent capping | Yes, depending on sum insured | None to single private room. |
| Recharge/Restoration | None | To 100 percent SI/year. |
| No claims bonus | Yes, to 50 percent SI | Yes, to 100 percent SI |
| Day care treatments | 140+ | 500+ |
| OPD cover | No | Optional add on |
| Maternity cover | As rider | Available as an add on. |
| Critical illness | Rider based | Included in variants. |
Did you know?
The industry surveys forecast that over 70 percent of urban Indian families will choose the family floater plans of health insurances by 2025 owing to changes in lifestyles and the preferences of nuclear families.
What policy has larger room rent limit?
Raheja QBE Health Qube Supersaver has a capping of more or no room rent in contrast to New India Assurance Floater Mediclaim.
Among the features, the New India Assurance Floater Mediclaim has been positioned as superior to Raheja QBE Health Qube Supersaver.
| New India Assurance Floater Mediclaim | Raheja QBE Health Qube Supersaver | |
|---|---|---|
| Sum insured | Max 15 lakh | Up to 50 lakh. |
| Restoration Benefit | No | Yes, up to 100 percent |
| None Claims Bonus | Up to 50 percent | Up to 100 percent |
| Room Category | Limits apply | No limit (Up to single private room) |
| Co-payment | 10 percent (above 60) | No co-payment less than 60s. |
| OPD/Wellness | No | Available through addons/modules. |
| Waiting | This is pre-existing 4 years | 3-4 years (depending on module) |
| Daycare Procedures | 140 | 500+ |
| Network Hospitals (2025) | 3,000+ | 5,000+ |
Expert’s Insight:
Insurance professionals explain that the modular approach adopted by Raheja QBE is most suitable to the needs of young families, and preferring to have their own policy, whereas the policy offered by New India can suit those who believe in tradition and plain policies.
Annual premium (based on 2 adults and 1 child, sum insured 10 lakh, metro city, 2025:
| Policy | Annual Premium Range (INR) |
|---|---|
| New India Assurance Floater Mediclaim | 15,100 -18,100. |
| Raheja Health Qube Supersaver | 17,200 -19,600 (modular extras) |
Note: Exact premiums depend on city, age, optional covers and claim history.
Case Study:
In the year 2025, Priya in Bengaluru gave a comparison between the two. She desired maternity and OPD covers to her family. Raheja QBE plan increased the costs of her plan by 20 percent with OPD visits and baby cover of the newborn being covered and thus will be useful on her pregnancy and the first year of having her child under care.
What is the quickest health plan to get paid?
Raheja QBE is characterized by quicker digital claim payments, suitable in high-tech homes, and New India with effective offline services to assure new clients they can get the needed support and collaboration in the traditional way.
Did you know?
In 2025, guidelines by IRDA mean that all claims that are made in cash should be handled within 24 hours in network hospitals, and it enhances the experience of the customers among insurers.
Cons
Cons
Expert’s Insight:
In case you will resort to OPD, maternity or outpatient visit, the health plan offered by Raheja QBE may save you a lot of cash in the long term, as India is willing to shift towards preventive health care by 2025.
The comparison of the plans, prices, features, and claim records among various insurers was not simple before. Now, online marketplaces online in India, you can:
This is time-saving, allows you to make better decisions and puts you in direct contact with the insurer of your choice.
Do I purchase Raheja QBE or New India health insurance online?
Yes they both provide online purchase facilities that are connected with the leading health insurance market in India and also their official websites.
Q1. Between New India Assurance and Raheja QBE, which one is most suitable in the case of large families?
In the case of a large family with diverse needs, Health Qube Supersaver provided by Raheja QBE will be more flexible with regard to adding members and increasing sum insured.
Q2. Is New India Assurance maternity covered?
Some variants only have maternity as a rider and typically after a waiting period.
Q3. Do these policies include OPD?
OPD is a module of only Raheja QBE Health Qube Supersaver.
Q4. Do clauses exist that are co-payment?
New India Assurance will demand co-payment on the part of the seniors whereas Raheja QBE does not require any co-payment after the age of 60.
Q5. In what place can I find a comparison, juxtaposition, of these policies?
Both online can be arranged with the help of Indian health insurance marketplaces through entry of family details and instant viewing of feature tables.
Ravindra majed 45 compared his plans on his wife and son in 2025 in Mumbai. His family medical history made him want to be highly covered in hospitalisation. Having searched on an online comparison portal he realized that Raheja QBE provided a 25 lakh cover with non-room rent capping and OPD at a significant cost of 3,000/ year extra. He bought Raheja QBE and he had to claim hospitalisation and OPD within the same year. His choice was confirmed by the restoration feature covering both claims at low paperwork.
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).
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