Cigna TTK ProHealth Protect Policy provides quality health insurance at an affordable cost for individuals and families. The plan aims to provide you with financial support for all expenses related to treatments and hospitalization, and also providing you a safeguard for your and your families health.
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.
You can claim upto Rs.500/- each year to cover out-patient expenses such as doctor’s consultation , pharmacy expenses or diagnostic tests, alternative forms of medicines (AYUSH) and more.
In order to encourage you to stay healthy, Cigna provides a comprehensive health check-up for all insured persons above 18 years once every 3 years
You can get reimburserd for all the medical expenses incurred for emergency treatments for an illness or injury sustained or contracted outside of India which cannot be postponed until Insured Person has returned to India.
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 claim upto Rs.2000 for necessary transportation fares by Ambulance required for rescuing your health condition.
Medical expenses of organ donor are covered upto Sum Insured, in case of organ transplant.
You can earn Reward Points for each year of premium paid and/or by enrolling the Online Wellness Programs. These earned Reward Points can be used to get a discount in premium from the 3rd Annual Premium OR they can be redeemed for equivalent value of Health Maintenance benefits.
You can avail an expert second opinion from Cigna's network of medical practitioners, for an Insured person who is diagnosed with a covered critical illness, during the policy period. Please note this benefit can be availed once, by each Insured person during an annual policy period and once during the lifetime for the same Critical Illness.
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.
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
ProHealth Insurance Protect allows you to defense your health with financial support for the money associated with the medical hospitalization which includes room rent, treatment expenses, diagnostic tests cost, medicines, etc. ProHealth plan gives you a financial support in those tough times and offer variety of benefits under its umbrella.
Thank you so much for your help...
It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.
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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