Oriental Youth Eco Basic Plan vs Raheja Qbe Health Qube Basic Plan: Detailed Overview 2025

Indians are getting young and health insurance is getting necessary in 2025. Increased medical expenses, the fast changing life in urban centers and unreliable health hazards are reasons why it is prudent to invest at a young age in a good health policy. The Oriental Youth Eco Basic Plan and the Raheja Qbe Health Qube Basic Plan are two youth-popular policies in the current year. Both of these purport to provide cheap premiums, good hospital network and insurance cover against unexpected medical bills-but which of them is really best suited to you?

This article presents a simple comparison of health plans in case you are comparing the health plans of students, young professionals or college pass-outs. Slicing through the marketing lingo, we give you the straight talk by weighing features, benefits, fine print, and even real life examples to enable you to make an informed decision.

Did you know? According to the IRDAI data on 2024, over 65 percent of the insurance purchasers under age 30 in India are now in favor of digital-first schemes with no paperwork of the old type!

What is Oriental Youth Eco Basic Plan?

Oriental insurance has developed Oriental Youth Eco Basic Plan that is targeting young people of the age 18-35. The scheme has affordable rates and simple benefits that emphasize on the basic medical cover without any additional ornamentation.

Imperative Features of Oriental Youth Eco Basic Plan.

• Low costs and premiums for young, first time purchasers.
• Hospitalization coverage on illness or accident.
• Pay at cashless claim facility in 4000+ network hospitals in India.
• No pre-policy examination of under 30 years.
• Up to 1 per cent of Sum Insured in the rent cover.
• Pre and post hospitalization costs of up to 60 and 90 days respectively.
• Ayush sponsored treatment, day-care operations.
• Maximum Sum Insured: 5 lakh rupees (as of 2025)

Who are the people to look at Oriental Youth eco basic plan?

Young professionals, fresh graduates and individuals interested in a simple, no-frills medical insurance coverage- particularly when you are healthy, single and require just enough coverage to cover frequent hospital bills.

What is Raheja Qbe Health Qube Basic Plan?

Raheja Qbe Health Qube Basic Plan is the basic level of health cover provided by Raheja Qbe General Insurance and it is currently enjoying popularity due to its flexibility. It is tailored to the needs of individuals and small families with the option of flexibility of coverage limits, prioritizing young policyholders in the need of a wide-range of protection at affordable rates.

Raheja Qbe Health Qube Basic Plan Key Features.

• Flexible Sum Insured: 2 lakh, 3 lakh, 5 lakh options.
• Procedures in day-care (over 500 treatments listed)
• Large hospital network comprising of more than 3300 empanelled centres.
• Pre and post hospital up to 90 days each.
• Bonus no-claims each year without claims.
• Home-based treatment coverage (domiciliary hospitalization).
• Tax benefits under Section 80D

Who To Use Raheja Qbe Health Qube Basic Plan?

Best suited to young working couples, individual employees or any who may require flexibility to increase the coverage as the life circumstances shift.

Expert Insight:
No-claim bonus health plans allow young purchasers to accumulate larger sum insured without incurring any additional cost in the long run and they are therefore very popular among online insurance markets.

Oriental Youth Eco Basic Plan vs Raheja Qbe Health Qube Basic Plan: Feature Comparison Table.

Currently, it is possible to buy 2500 ft² of carpeting with the following features: Feature Oriental Youth Eco Basic Raheja Qbe Health Qube Basic

The main highlights are as follows: Oriental Youth Eco Basic Plan.

Ideally suitable in healthy young adults who have limited requirements in hospitalisation.
Straussforward contracts, less paperwork, online issuance of policy.
Very competitive prices of less than Rs 3000 of the Rs 3 lakh SI (2025 rates)
COVID 19 and general viral diseases.
Room to advance to regular policy on completion of 35 years.

Advantages: Oriental Youth Eco Basic Plan.

• Very low rates on young healthy applicants.
• Coverage of majority of hospital requirements and usual medical emergencies.
• Ranked by best digital health insurance comparison websites.
• Zero pre-existing disease waiting at youth entrance to minor diseases.

Cons: oriental Youth Eco Basic Plan.

• Not appropriate to families or older policyholders.
• Restricted Sum Insured coverage and period.
• None No no-claim bonus or cumulative increase in SI.
• Less day-care procedures than competing policies.

Raheja Qbe Health Qube Basic Plan: The main highlights.

Able to accommodate individuals or nuclear families.
More preferable to those who wish to add family afterwards.
Increases day-care procedure coverage, increases pre and post hospitalization limit.
Higher sum insured option to 5 lakhs.

Pros: Basic Plan of Raheja Qbe Health Qube.

• Better alternative, spouse or children may be added on request.
• Develop claim-free bonus to 50 percent of SI with successive years.
• Insures outpatient diseases.
• Income tax laws that have a tax-saving advantage.

Cons: Basic Plan of Raheja Qbe Health Qube.

• A little more premium on the same amount insured rating.
• Less infrastructure of hospitals in remote regions, compared to the network of Oriental.
• Some plan variants have a lower room rent limit.
• Limit on ambulance cover is below that of competitors.

Did you know?
A 2024 survey found that by purchasing youth-oriented plans online as compared to an agent purchase, users could save almost 16 percent each year!

Real Case Study.

Amit 27, software developer, Delhi:
Amit desired a cheap but an efficient health plan because the employer plan only included accidents during employment. He selected Oriental Youth Eco Basic Plan at Rs 3 lakh cover at a premium of 2850 on a main online health insurance market place after comparing. This assisted him with hassle free cashless claims on minor day-care surgery, zero paper work and fast settlement.

Meera and Rohan, wedded pair, Bangalore:
Being below 30 and newly married, Meera and Rohan were looking forward to cover with add-ons such as home care claims when Meera is undergoing dengue treatment. Having checked policies in other companies, they compared them and came to Raheja Qbe Health Qube Basic Plan which gives them the opportunity to have no-claim bonus and upgrade to family floater in the future.

Oriental vs Raheja Qbe: Comparison of Claim Process.

Both have digital claim intimation, cashless acceptance in less than 2 hours in most metro cities and claim settlement system that is integrated with major private hospitals.
Nonetheless, Oriental has been observed to have a quicker process with the governmental insurers particularly in the youth-based claims. The bonus system of Raheja Qbe is applauded to encourage serious customers who cover more items with time.

People Also Ask:

Q: What is the quickest claim settlement policy in metro cities in 2025?
A: Recent statistics indicate that Oriental Youth Eco Basic Plan is ahead on the demat ready youth plans, however, Raheja Qbe is trailing behind with improved online claim systems.

Coverage of Disease: Which of the Critical Illnesses Are Covers?

The two plans are inclusive of infectious diseases, lifestyle complications and regular surgery.
Raheja Qbe has a broader day-care list of cover and a broader range of minimally invasive procedures are covered.
Oriental provides simple AYUSH and COVID 19 insurance, which aims at the needs of young urbanites.

Professional opinion Digital Marketplaces and Platform Comparison.

Several youthful consumers are currently inclined to utilize internet-based marketplaces to contrast the health strategies such as Oriental Youth Eco Basic Plan and Raheja Qbe Health Qube Basic Plan. This allows you to see the current day prices, networks of hospitals and small print-saving you time and money.

Expert Tip:
Online health insurance comparisons can make it easy to identify the hidden exclusions or sub-limits that you would not have easily identified when purchasing health insurance offline.

Issues at issue: Oriental vs Raheja Qbe - Who Wins to Young Indians in 2025?

To the youngest customers: Oriental Youth Eco Basic Plan provides the most necessary coverage at minimum cost and is suitable when the youngest customers are working on their own or are going abroad to study.
To be flexible and family-friendly: Raheja Qbe Health Qube Basic Plan has advantages that you can add spouse or children later, or receive reward benefits such as no-claim bonus.
In case network hospitals are essential: Oriental has an advantage in terms of wide coverage in metros, as well as in centers of the 2nd level.
In case of broader treatment coverage: Raheja Qbe has broader day-care and home-based treatment.

Important Comparison Table: Premium, Eligibility and Extras (2025 data)

Parameters Oriental Youth Eco Basic Raheja Qbe Health Qube Basic

TL;DR or Quick Recap

Oriental Youth Eco Basic: Low end, singles/youth, 18-35 years, good metro coverage, no family coverage, simple yet quality.
Raheja Qbe Health Qube: Flexible, family addition, broader list of treatments covered, no-claim bonuses, more expensive but more rewarding long-term, to age 60 entry, best suited to couples or younger who are dynamic.
Tip: Before concluding your plan, compare the health insurance policies through reputable online marketplaces so that you can have the best feature-price combination.

Other Frequently Asked Questions: People Also Ask.

Q: Is Oriental Youth Eco Basic Plan pan India in 2025?
A: Yes, cover in all big cities and network hospitals in India.

Q: What is the age of upgrade of Oriental Youth Eco Basic Plan?
A: Yes, Oriental offers migration to standard plans crossing the age cut-off, underwriting is subject to.

Q: Can Raheja Qbe Health Qube Basic Plan add spouse mid-year?
A: You can add spouse/ dependent newborn yes, subject to windows, premium adjusted.

Q: What is the most suitable plan of young couples?
A: Raheja Qbe is superior in case you require family cover or intend to marry in the near future as there are upgradable floater features.

I: Which are the ways of making comparisons between Oriental and Raheja Qbe premiums online?
A: You can simply make comparisons between real-time premiums, inclusions, and exclusions of various providers using reputed online marketplaces and, therefore, make a decision.

Assuming that you are a young Indian who seeks cheap and strong health insurance in 2025, it can save you a lot of trouble in the future, time, and money to compare the Oriental Youth Eco Basic Plan with Raheja Qbe Health Qube Basic Plan based on the key criteria.

Sources:

• Oriental Insurance Webpage
• Raheja Qbe General Insurance Product Page
• India Health Insurance Survey 2024
• Income Tax Department- Chapter VI-A Deductions