Cigna TTK ProHealth Preferred plan is a unique plan designed to take care of all your hospitalization related worries with power packed benefits. The Sum Insured option ranges from Rs. 15 lakhs to Rs. 50 lakhs. You will enjoy a Worldwide Emergency Coverage up to full sum insured while you are away from home.This plan has a reduced waiting period of just 2 years for pre-existing diseases that helps you get full coverage sooner.
You don’t have to pay even a single paisa from your own pocket in more than 4500+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.
Insurance company will pay for more than 170+ treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.
Insurance company will pay for the medical expenses incurred on the new born baby during and post birth upto 90 days from the date of delivery without the payment of any additional premium
You will get covered for all your claim related medical expenses 60 days before your hospitalization and upto 180 days after your discharge. This list may include follow-up visits, medication, diagnosis… etc.,
You can make a claim for medical expenses for treatment at home which would otherwise require hospitalisation either if the doctor advises that you are not in a condition to be moved to a Hospital or the Hospital room may not be available when you need the medical treatment or even the condition lasts and requires medical attention for at least three days
You can claim full amount spent on ambulance.This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.
Medical expenses of your organ donor are covered upto the sum insured opted, in case of organ transplant.
Your medical expenses outside the country will be covered upto the maximum amount insured. Your medical condition has to be declared as emergency by a doctor and you will only be paid in rupees.
You will be reimburshed for prescribed out patient medical expenses including diagnostic tests, drugs and dental treatment for upto Rs15000 per policy year
This option helps you to reduce the mandatory waiting period on Maternity from 48 months to 24 months from the date of inception of first policy, depending upon the plan selected. In case of opting for this benefit, the new born baby cover and first year vaccinations will also follow reduction in waiting period under maternity cover and coverage under both the features will be capped as per the limits specified under Maternity Sum Insured as opted by the insured.
This cover will provide lump sum amount equal to Sum Insured in case of first diagnosis of the covered critical illnesses. In case of a family floater policy, once a claim has been paid for a critical illness under this benefit Cigna will provide for 100% reinstatement of Sum Insured once during the lifetime of the policy for the other person covered.
This cover helps to increase your Sum Insured by 25% for each claim free year up to a maximum of 100% when there are no claims paid or outstanding in the expiring Policy Year provided that the policy is renewed without a break.
You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.
Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.
The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.
Critical illness cover provides the insured a lump sum, in case he/she gets diagnosed with a critical illness such as cancer, sclerosis, coma, heart attack, paralysis, kidney failure, etc.
Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.
Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.
Through maternity cover, the medial expenses associated with the hospitalization of an insured person for the delivery of a child are covered.
Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.
Domiciliary Hospitalization is the treatment of the patient taken at home due to lack of accommodation in the hospital/nursing home or the patient's condition being such that he/she cannot be shifted to the hospital
Many insurers these days provide health check up feature for its insured members per some number of years. Many insurers also provide these check-ups as cashless at their network hospitals
There are mainly 6 types of medical expenses incurred as far as the organ donor is concerned: Organ screening for compatibility, Pre-hospitalization costs, Hospitalization Costs, Organ transplantation surgery, Post-surgery complications & recovery, Post Hospitalization Costs for the Donor
Second opition is requesting an examination and evaluation of a health condition by a second physician to verify or challenge the diagnosis by a first physician. Generally happens in case of critical illnesses
Outpatient department (OPD) expenses, such as diagnostics tests, chemist bills, doctor's visit fees, dental treatment, medical bills etc, form a major portion of total healthcare cost these expenses are called OPD expenses
Hi Dr. P. Nandagopal, I am looking for a Health Insurance cover. Can you please brief me about this product
Expert says - prohealth preferred : One of the biggest advantages provided by Cigna prohealth preferred is its wide variety of choices it offers. You can also add various optional covers like reduction in waiting period, lumpsum payment during critical illness etc. You can consider this policy if you are looking for a comprehensive coverage.
Thank you so much for your help...
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Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.
Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited
Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.
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