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

In 2025, young Indians are on the hunt to find affordable yet intelligent health insurance options that appeal to their distinct lifestyle and financial capacities. Two of their most popular plans have been Oriental Youth Eco Basic Plan and the Raheja Qbe Health Qube Supersaver Plan which have become instant favourites with the young adults. They both have reputable insurers and are aimed at giving all-encompassing cover in a youth-friendly manner. This article offers a close practical comparison in order to determine the plan that suits your expectations.

What Is the Basic Plan, the Oriental Youth Eco?

Oriental Youth Eco Basic Plan is a health plan catering to the needs of the young individuals and young couples in India, aged mostly between 18 to 35 years old. The cover designed by Oriental Insurance Company provides the necessary hospitalisation cover, cashless in hospitals across a large network, digital health, and wellness tools and benefits to keep a healthy lifestyle in 2025.

Important Characteristics of Oriental Youth Eco Basic Plan.

• Hospitalisation cover: Planned and emergency hospitalisation.
• Health check-up is provided to the policyholders yearly.
• Day care treatment, to a 150 procedures.
• Pre and post-hospitalisation cost.
• Included in mental health coverage (trend since 2024)
• In India, 7, 000 plus hospitals with no cash treatment.
• Digital health wallet: Receive incentives of preventive care.
• Bonus on all claim-free years none.
• Wellness application: Promotions and video calls.

Advantage and Disadvantage of the Oriental Youth Eco Basic Plan.

Pros

• Premiums that are affordable and below 35 years.
• Add-ons (OPD, maternity, teleconsultations) that can be customised.
• Digital first: policy and claims management is digital.
• Target preventive medical care.
• No sub-caps on major hospitalisation cost.

Cons

• Limit on room rent is in the basic variant.
• The waiting period of pre-existing diseases is 3 years.
• Low maternity coverage unless purchased as an add-on.
• Not ideal where you require very high sum insured (> Rs 25 lakhs)

Did You Know?
Out of these 77 percent of the young Indians in the year 2024 favored the health plans that offer features of online wellness and mental health coverage.

What Is the Raheja Qbe Health Qube Supersaver Plan?

The Health Qube Supersaver Plan of Raheja Qbe is aimed at the young, budget conscious couples and the active professionals. This is a modular kind of plan where you are able to add or remove benefits depending on your requirements each policy year. Introduced in late 2023, with upgrades planned in 2025, the Supersaver option is selling well because it is cost-saving and covers a wide area.

Among the Highlights of Raheja Qbe Health Qube Supersaver Plan are the following.

• Modular protection: select only the covers that you require.
• Classical minimum premium and full customisation.
• Sum insured of up to 50 lakhs.
• Hospitalisation (planned and emergency)
• Pre and post-hospitalisation: 60 days and 90 days.
• There is no room rent limit, even basic plans.
• Digital consultations that are unlimited.
• Rewards in terms of healthy behaviour: receive premium discounts on next renewal.
• Loyalty benefit: benefit loyalty top-up when insured during 3 years.

Advantages and disadvantages of Raheja Qbe Health Qube Supersaver Plan.

Pros

• No fixed add-ons, custom-made to one specifications.
• Extra savings on healthy insured behaviour.
• Maternity and newborn plan as and when (with top-up)
• Greater amount of sum insured at a low increment.
• Wider than average network hospitals 8800 +.

Cons

• A little more base premium than conventional youth policies.
• Modify appreciation, based on year in which you renew rather than on year without claim.
• The older family members may not be accommodated in the claim process that is carried out using apps.
• Uninsured alternative therapies by default.

Expert Insight:
In a 2025 survey by MintCare, 62 percent of young policyholders place more value on flexibility in their health insurance plan than on fixed, low premiums.

Oriental Youth Eco Basic Plan vs Raheja Qbe Health Qube Supersaver Plan: Compared Detailed.

To simplify it, we will compare these two policies on the basis of main characteristics:

Feature/parameter: the oriental youth Eco basic plan, and the Rahaqbe health qube supersaver plan.

Illustration: Case Study in 2025

A 26-year-old Bengaluru-based software developer Rohan desired the hospital bills, mental health plan and value added options such as online consultation plans. Upon comparing the two plans, he found that plan in Raheja Qbe was an annual Rs 600 cheaper, yet it had broader hospital network coverage and flexibility in teleconsultations. His friend Priya, a freelance graphic designer, however, found the Oriental Youth Eco Basic Plan suited her and she liked its digital rewards ecosystem. The two plans enabled them to claim online, access digital ID cards and get preventive health vouchers, and the option was a matter of preference, rather than essential gaps in coverage.

People Also Ask:

Q: Does Oriental Youth Eco Basic Plan, and Raheja Qbe Health Qube Supersaver, are accepted in online consultation sites?
A: Both of them have the benefits of being integrated with the major digital health platforms, as well as cashless teleconsultations at the providers that partner with them.

What Do the Premiums Compare to in 2025?

The amount of premiums varies according to age, coverage, add-ons and sum insured. As a typical example, the base annual premium would be as follows to a young, solo policyholder between the age of 21 and 28 years and assuming a sum insured of Rs 5 lakhs:

• Oriental Youth Eco Basic: Rs 6,600 to 8,200.
• Raheja Qbe Health Qube Supersaver Plan: Rs 7, 200 to Rs 9,150.

Before making a decision, the online health insurance marketplaces are important to compare real-time quotes, discounts, add-on costs, and eligibility in 2025.

Snapshot of Eligibility and Benefits.

Oriental Youth Eco Basic and Qbe Health Qube Supersaver.

Expert’s View:
Did you ever hear of a great number of children in 2025 taking family floaters to cover themselves and those who are siblings or spouses on a single policy?

Wellness Features Comparison.

Both plans are incentivized in terms of healthy behaviour, such as counting steps, getting an annual check-up, or enrolling in stress management courses. Nonetheless, Raheja Qbe is more inclined to such behaviour due to premium discount on renewal, and Oriental Youth Eco Basic is more inclined to a digital wallet you can redeem on health services.

Claim, Network and Convenience

Quick and simple settlement of claims, particularly in cashless, is essential to the youth who seek contactless healthcare. As data provided by IRDAI 2025 show, Oriental and Raheja Qbe are above 96 percent in the prior year in claim settlement ratio. Customers commenting:

• Intimation of claims through app.
• 24x7 helpline chat support
• Pay settlement within 7 working days on the average.

Ideal User for Each Plan

Oriental Youth Eco Basic Plan: The plan which fits well when you desire a simple, affordable plan with digital health benefits and mental health benefits built-in and you do not expect to need maternity cover frequently or large sums insured.

Raheja Qbe Health Qube Supersaver Plan: best suited to those customers that prefer full customisation of their insurances, would require more hospital network, a larger sum insured, or would require family planning covers within a short period of time, and prefers premium savings due to wellness.

People Also Ask:

Q: Which is a superior plan to be used by young working couples who want to access maternity benefit in 2025?
A: Raheja Qbe Health Qube Supersaver gives the option of instant maternity cover as a modular addition which will be more appropriate.

Is it possible to port or switch plans?
Yes, the IRDAI regulations in 2025 permit portfolio between insurers once the initial policy year is done. Both Oriental and Raheja Qbe support portability requests provided they are initiated within 45 days of policy expiry, and are underwritten.

Comparing the Plans of Health Insurance by using Marketplaces

It is easy to compare quotes, network hospitals, and claim side by side with the help of comparison platforms. Entering your age, needs, and location, one can get a personalized recommendation. That plan documents are always to be checked: features are changed every year, and certain benefits can be city-specific.

Real World Case: Health Insurance Decision of Neha

Neha is a 25 years old startup founder in Pune. She contrasted both schemes in January 2025 with the help of a digital marketplace. She decided to take Oriental Youth Eco Basic Plan because she realised that it provided mental health counselling sessions and a step rewards program. A friend later had to take early maternity cover and Neha suggested Raheja Qbe Health Qube Supersaver plan because it was available immediately and easy to be added on.

Did You Know?
More than 48 percent of young people in metros now change or upgrade their health plan every two periods of renewal to improved digital capabilities.

Quick Recap or TL;DR Section

• Oriental Youth Eco Basic Plan is affordable, digital, highly wellness-oriented, and suitable in the case of basic and preventive health needs.
• Raheja Qbe Health Qube Supersaver Plan is broader in hospital cover, allows flexi-benefits, instant maternity benefits and larger amounts insured at a marginally higher premium.
• Make comparisons on online marketplaces in 2025 on updated features and premiums.
• They both claim speedily, have high settlement ratio and are relied upon amongst the youth in the urban and semi-urban classes.
• You must make a decision based on priority: lowest premium and wellness (Oriental Youth) or flexibility, network and greater amount of insured (Raheja Qbe).

People Also Ask (FAQs)

Q1. Which health insurance is more among students who stay in hostels or rented PGs?
A: Both of them are cashless networks in metro and Tier 1 cities, but the Oriental Youth Eco Basic Plan is cheaper among isolated students.

Q2. Do these plans include instant teleconsultation and pharmacy delivery?
A: Yes, they both can be combined with digital health platforms that provide e-consultations and offer medicine delivery, but the default of Raheja Qbe is unlimited consults.

Q3. Will I purchase health insurance over the Internet or in physical stores in 2025?
A: In 2025, the majority of young adults will purchase on-line because it is convenient and allows them to compare plans and hospital lists and cashless claim information all in a single location.

Q4. Do both plans have tax benefits under Section 80D?
A: The premium that you will pay in both the plans can be deducted under Sec 80D of the Income Tax Act, 1961.

Q5. I might desire to contact a spouse or child after getting married, what then?
A: Spouse/ newborn can be added to both plans at renewal or mid-policy at a pro-rata premium.

Sources:

• MintCare Youth Insurance Survey 2025
• Oriental Insurance Official Product Brochures
• Raheja QBE Health Products