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Last updated on: May 20, 2025
The Oriental Youth Eco Basic Plan and Raheja Qbe Health Qube Comprehensive Plan are both popular health insurance options in India, but they cater to different needs. The Oriental Youth Eco Basic Plan is a budget-friendly policy targeted towards younger individuals, offering essential health coverage at lower premiums and focusing on inpatient hospitalization, day-care treatments, and limited add-ons. In contrast, the Raheja Qbe Health Qube Comprehensive Plan provides broader protection with higher sum insured options, extensive coverage including pre- and post-hospitalization expenses, maternity benefits, and wellness services, making it suitable for families or individuals seeking wider health protection. The choice between the two depends on your coverage requirements and budget—pick Oriental Youth Eco for affordable, basic coverage or Raheja Qbe Health Qube for all-round, robust protection.
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Read BioIncreasing medical expenditures, growing lifestyle diseases, and the unpredictabilities of life have made health insurance in India, and youth health insurance in particular a necessity. The Oriental Youth Eco Basic Plan and the Raheja Qbe Health Qube Comprehensive Plan are two good alternatives to choose in 2025. They are both unique but they serve different needs marginally. This critical comparison makes the difference between the two best-rated health insurance plans, to enable you make a smart and wise decision regarding your health and finances.
The awareness of the differences in health insurance policies results in superior decisions. The comparison of policies especially the popular health insurance plans like the Oriental Youth Eco Basic and the Raheja Qbe Health Qube Comprehensive becomes pertinent to:
Did you know? According to recent insurance surveys, 63 percent of the Indian youth are now inclined to take customized health plans which offer preventive health and other digital health benefits.
| Features | Orientall Youth Eco Basic 112743430235 | Raha Qbe Health Qube Comprehensive |
|---|---|---|
| Entry Age | 18-35 years | 3 months - 65 years |
| Sum Insured | 2lakh -10lakh | 2lakh-50lakh |
| Room Rent Limit | Single AC room | P.r. or above. |
| Hospital Network | 5000+ | 7000+ |
| Pre-Post Hospitalisation | 30/60 days | 60/90 days |
| Daycare Procedures | 160+ | 400+ |
| Maternity/Newborn | Not covered (before waiting period) | Covered (after waiting period). |
| Critical Illness Rider | Not included | Additional feature. |
| No Claim Bonus | Up to 50 percent | Up to 100 percent. |
| Annual Health Check-Up | No | Yes |
| Premiums (Indicative) | Starting at as low as Rs 2000/year | Starting at about Rs 4000/year. |
| Wellness Features | Yes | Extensive. |
Insider opinion: According to a 2025 report by the Insurance Regulatory and Development Authority (IRDAI), the youth-centered plans curb the risks associated with the lack of insurance but can be updated within the course of the life events.
Did you know? According to the 2025 insurance surveys, many families in metros and semi-urban India now prefer inclusive health cover of wellness and telemedicine capabilities.
Oriental Youth Eco Basic is suitable to young insured or those in early career and would need affordable medical cover. The plan maintains the number of excluded limited and targets inpatient care, providing easy options of purchasing goods online and filing claims digitally.
With a wide range of features, including maternity and critical illness, Raheja Qbe Health Qube Comprehensive is ideal to families and those who need a long-term, one-stop medical solution. Higher sum insured bracket gives it greater safety nets to major illnesses and hospitalisation, giving peace of mind to bigger families or aging individuals.
Anjali is a 27 year old Software engineer who chose Oriental Youth Eco Basic as it offers low premiums and wellness benefits. Her cover was throughout her stay of a minor surgery, and the settlement of quick claims was done digitally.
Rahul, a 40-year old manager who has the family picked Raheja Qbe Health Qube Comprehensive. The maternity and regular health check-ups of his wife were provided after the waiting period; this saved them some money on out-of-pocket expenses incurred on medical services.
No, at this stage the plan is designed to only include youth individuals, thus suitable to the age bracket between 18-35 years.
By making 2025 comparisons online you can compare health insurance plans and:
Use of online financial platforms where there is unbiased and transparent comparison is strongly advised to achieve best results.
Expert opinion: It is not only in India but also in other parts of the world that policy shopping has become easier and visible than never because of digital transformation that has made more than 60 percent of insurance purchases through online marketplaces, according to industry analysis 2025.
No Claim Bonus is an insured deposit that the policyholder receives higher sum insured (usually 10 to 100 percent) with every claim free year. This can be used to overcome medical inflation- the average cost of hospitalisation increases at 13 percent a year in India- with increased coverage without the additional expense.
What do I decide on my sum insured in 2025 on the youth medical plans?
Select 5-10 lakh rupees or more when you are in Tier 1 or Tier 2 cities, in view of the increased treatment and room rent. Shop the most competitive rates and coverage plans online.
Do digital wellness capabilities work in youth-oriented health plans?
Yes. A large number of young professionals monitor health indicators such as steps, body mass index and reward points and receive a discount on subsequent renewals or complementary covers.
Is it coming soon that maternity cover will be offered in the Oriental Youth Eco Basic?
Trends in the industry also indicate that youth health plans may shortly include maternity coverage, although this coverage does not currently exist in this plan as of 2025.
Does Raheja Qbe Health Qube Comprehensive include organ transplants?
The plan includes major organ transplants, yes, plus the costs are covered under the hospitalisation benefits to the sum insured.
These two policies facilitate successful renewal online and there are reminders when it is are about to expire. Portability implies that you can move in and out of insurers without benefit loss within the IRDAI provisions. No-Claim Bonus and waiting periods are transferred according to the regulations.
Nitesh is 29 and purchased Oriental Youth Eco Basic in 2022. Having married, he transferred his scheme to the Raheja Qbe Health Qube Comprehensive smoothly, and kept his No-Claim Bonus over the last three years.
Did you know? India has more than 27 percent of young policyholders who switched their basic individual covers to comprehensive family floats because their priorities in life were shifting (2025 IRDAI consumer study).
Whose plan is more likely to settle claims in 2025?
Both insurers have competitive ratios of over 95 percent on cashless claims at network hospitals but verify on company web sites before making final decision.
Is it possible to purchase these policies completely over the Internet?
Yes, Oriental Youth Eco Basic in particular enables full digital KYC and purchase. Raheja Qbe Health Qube Comprehensive also facilitates paperless purchases to the urban buyers.
Are such plans tax benefit recognised under Section 80D?
Yes, there is tax deductible on premiums paid under Section 80D of the Income Tax Act, 1961 to the self and dependent family coverage.
Should I purchase accidental rider under my medical insurance scheme?
An accidental rider is recommended in case your work or lifestyle is associated with travel, sports or increased risks. The health insurance provided by Raheja Qbe Health Qube Comprehensive has more flexible rider options.
Are both policies in favour of telemedicine and OPD consultation cover?
Raheja Qbe Health Qube Comprehensive has telemedicine consultation benefits under its wellness ecosystem; Oriental Youth Eco Basic is more inpatient hospitalisation-oriented.
Medical and financial needs vary with each person and family. Oriental Youth Eco Basic provides young people with affordable and mobile wellness and digital, whilst Raheja Qbe Health Qube Comprehensive provides flexibility, competitive all-round and family-friendly cover. Begin with the present stage of life, compare products with the tools offered online, and read policy documents to choose the most appropriate health insurance in 2025.
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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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