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Cigna TTK Health Insurance

The Cigna TTK Health Insurance Company Limited is a joint venture between Cigna Corporation – a U.S. based global health services leader – and TTK Group – an Indian conglomerate. It is a standalone health insurance company, incorporated on 12th March, 2012, under the Company’s Act of 1956. The Company received its regulatory license from IRDA in November 2013 and started its operations in February 2014. Headquartered in Mumbai, Cigna TTK Health Insurance has a pan India presence in around 15 cities of the country.
Cigna Corporation is a Fortune 500 company and the first US health insurance company to enter the Indian insurance market. This partnership brings in vast experience and offers a range of innovative health insurance products, together with round-the-clock customer service.

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Plans offered by Cigna TTK Health Insurance

Health insurance by Cigna TTK ranges from individual plans, family floaters, personal accident covers, and critical illness plans to group insurance plans and senior citizen plans. Cigna TTK health insurance plans are all-inclusive policies which offer a comprehensive coverage. The plans covers a maximum of 4 family members (up to 2 adults and 2 children), and are renewable for life.
Following are the bestselling health insurance plans offered by Cigna TTK health insurance , to cover both individuals and their families.

    Plan Name : ProHealth Insurance Protect

      About the Plan

      This health insurance plan by Cigna TTK provides a comprehensive coverage, including in-patient hospitalization, pre and post hospitalization, day care procedures, and domiciliary treatment.

      • A host of sum insured options - Rs. 2.5 Lakh, 3.5 Lakh, 4.5 Lakh, 5.5 Lakh, 7.5 Lakh, and 10 Lakh
      • The minimum policy entry age is 91 days for children and 18 years for adults. As the plan offers a lifetime renewal option, there is no maximum age limit for buying this policy.
      • Medical test may be required, depending upon your age and the chosen sum insured. Sum insured is the maximum amount of money that the company will be liable to pay out as claims.
      • Premium is calculated with respect to age, lifestyle, sum insured, gender, results of the medical test (if undertaken), and your geographical location.
      • You can choose a policy term between 1 year, 2 years, and 3 years.
      • Avail 10% discount on the premium amount if you cover more than 2 family members under a single policy.
      • If you purchase long policy term plans, you can get 7.5% discount on the premium for a 2 year plan and 10% discount on the premium for a 3 year single premium policy.

          Benefits

          • This Cigna TTK health insurance policy covers in-patient hospitalization, pre and post hospitalization, day care and domiciliary treatment, ambulance expenses, and organ donor expenses.
          • In addition to this, you can avail benefits such as worldwide emergency cover (when you are away from home), and expert opinion from a medical practitioner in case you are diagnosed with a critical illness.
          • In case you use up the sum insured, the company will restore 100% of the sum insured, once in a policy year, to help meet your future claims (restoration of sum insured).
          • A reimbursement of Rs. 500/- each year will be paid to cover out-patient expenses including consultation fees, pharmacy expenses, diagnostic tests, alternative forms of medicines (AYUSH), etc. (health maintenance benefit).
          • Every individual above the age of 18 years can avail a health check-up every 3 years.
          • The sum insured increases by 5% for each year that you do not take a claim. This bonus can keep accumulation up to a maximum of 100% (cumulative bonus for no claims)
          • You can enhance the coverage and benefits of the policy by purchasing riders, such as critical illness cover, cumulative bonus booster, etc.

              Plan Name : Cigna TTK Lifestyle Protection-Critical Care Plan

                About the Plan

                This Cigna TTK health insurance is a critical illness plan which will provide protection in case you are diagnosed with a critical illness, as mentioned in the list of covered diseases. The policy can be purchased on an individual or family basis. An exclusive benefit with this plan is that you have the option to choose your payout (which the company will pay in case of a claim) as a lump sum payment or as a staggered (bit by bit) payment where 25% of the amount will be paid as a lump sum and 75% of the amount will be paid to you in 60 monthly installments

                • You have the option to choose a sum insured up to Rs. 3 Crore. However, the sum insured will be determined according to your income (maximum sum insured can be 10 times of annual income). For other members of the family, there are limits on the sum insured.
                • Minimum and maximum age to purchase the plan is 18 and 65 years, respectively. However, lifelong renewal is available.
                • Medical tests may be required before buying the policy, depending upon your age, plan, chosen sum insured, and medical history.
                • The premium will be determined by the plan chosen, total sum insured and policy tenure, your age, gender, and health status.
                • You can choose a policy term between 1 year, 2 years, and 3 years.
                • Avail 10% discount on the premium amount if you get a single policy covering more than 2 family members.
                • If you purchase long policy term plans you can get 7.5% discount on the premium for a 2 year plan and 10% discount on the premium for a 3 year single premium policy.

                    Benefits

                    This Cigna TTK health insurance plan covers up to 30 critical illnesses. The Basic Plan covers the first 15 and the Enhanced Plan covers all 30 critical illnesses.With the critical illness cover you are entitled to receive benefits including-

                    • Access to the online wellness program
                    • Critical illness cover
                    • Medical second opinion
                        Note:To know more about this plan, contact insuranceinbox.

                      Plan Name : ProHealth Group Insurance Policy

                        About the Plan

                        This is a group health insurance plan, which covers a defined number of people. The plan provides comprehensive protection and can be customized with a range of optional covers to meet individual needs. From basic covers with essential benefits to enhanced covers, with a range of optional covers, you can choose a plan as per your need.

                        • Individual or floater cover choice
                        • Completely customizable plan with 41 optional covers that you can buy as per your need; e.g. family benefit, corporate buffer, multiple value ads, etc.
                        • Choice of maternity, dental, vision, OPD, and much more.
                        • In-hospital AYUSH (Ayurvedic) treatment cover.
                        • Choice of critical illness, personal accident, and hospital cash benefits.
                        • The plan comes with multiple cost sharing options at corporate and individual levels.
                        • The expenses payout can be fixed or indemnity based.

                            Benefits

                            • The ProHealth Group Health Insurance by Cigna TTK base cover includes expenses for in-patient hospitalization, day care treatment, pre and post hospitalization, medical expenses, ambulance, domiciliary hospitalization, and organ donor costs.Medical needs can vary, and so will be the cover that you purchase. Hence, you must compare Cigna TTK health insurance plans before you make a purchase.
                            • Medical needs can vary, and so will be the cover that you purchase. Hence, you must compare Cigna TTK health insurance plans before you make a purchase.
                                Note:To know more about this plan, contact insuranceinbox.

                            Benefits

                            Claim Process at Cigna TTK Health Insurance

                            With Cigna TTK health insurance, you can file a claim in two ways- Cashless Claim and Reimbursement Claim.

                            Review of Cigna TTK Health Insurance Company Limited

                            Cigna TTK health insurance is focused solely on health insurance and offers a wide range of insurance plans to cater to the needs of different customer segments. Cigna TTK health insurance has a claim settlement of 94%. The company is known for its one-of-a-kind health insurance products, such as the Cigna Global Health Product (CGHP) that offers a global coverage for Indian employees travelling across the globe. Owing to its wide range of innovative plans, the company has been awarded the “Economic Times Best Promising Brands 2015”.You can get complete information on plans, compare plans and buy Cigna TTK health insurance online on Insurance Inbox.

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