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Cigna TTK Health Insurance

Cigna TTK Health Insurance Co. Ltd. (IRDA Reg. No 151) is a fairly newer player in the Indian health insurance vertical, as it became operational in February 2014. Cigna Corporation, a Fortune 500 business entity, brings to the table a global expertise while TTK Group complements Cigna with their know-how and knowledge about the domestic market.

Cigna TTK health insurance is a progeny of Cigna Corporation and the TTK Group, and focuses on health insurance products.

It’s a Mumbai-based, stand-alone health insurance company, and manages centers in 11 cities in India, from Mumbai. The company is known for their innovative practices along with their robust customer service. TTK Group is a well-known brand in India, which has been successfully handling multiple brands across segments. According to the Cigna TTK brand manifesto, they aims to make healthcare more affordable and more accessible by everyone.

Features of Cigna TTK Health Insurance

  • No. of members- The plan covers maximum 4 members of your family with up to 2 children and 2 adults.
  • Lifelong Renewal – The plans offered are lifelong renewable, hence it saves you from the financial burden and stress caused by a medical emergency and keeps you well prepared to handle any situation.
  • No Sub-Limits on Room Rent - As sub-limits on room rent practically eat into your sum insured, Cigna TTK scores brownie points for their plans without any sub-limits on the room rent.
  • Pre & Post hospitalization cover- The plan covers medical expenses for 60 days prior to hospitalization and 90 days post hospitalization only for related medical expenses.
  • Health Check-ups – All insured adults above 18 years of age are offered free health checkup once every 3 years.
  • Pre-existing diseases- Pre-existing diseases are covered after 4 years of waiting period.
  • Co-payment- The plan has no co-payment policy.

Benefits of Buying Health Insurance from Cigna TTK Health Insurance

  • Fairs very well with the waiting period as compared to the industry standards
  • Pricing-wise, Cigna TTK offers competitive prices on their products
  • Offer a no-claim bonus up to 50% (10% bonus/discount for every claim-free year)

Products offered by Cigna TTK Health Insurance

ProHealth

This is a basic health insurance plan that offers coverage for hospitalization expenses along with benefits like no-claim bonus, coverage for day-care procedures and restore benefit. The plans are available in four variants of Protect, Plus, Preferred and Premier, in order from basic to advance. All variants provide benefits on individual and family floater basis. The details for each variant are given below:

ProHealth Protect

Individual Coverage :

  • This policy offers complete health coverage in the range of Rs. 2.5 Lakh and Rs.4.5 Lakh for children above 3 months and for adults above 18 years.
  • Post-hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus etc. are the benefits provided in this plan.
  • Co-pay (10% / 20%), deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), critical illness cover, etc. are optional. Note: Deductible is the fixed amount to be paid at the time of claim.

Family Coverage :

  • This is a basic family floater plan that covers health costs for the entire family in the range of Rs. 2.5 Lakh and Rs.4.5 Lakh.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Post-hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus etc. are the benefits provided in this plan.
  • Co-pay (10% / 20%), deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), critical illness cover, etc. are optional.

ProHealth Plus

Individual Coverage :

  • This policy offers complete health coverage in the range of Rs. 4.5 Lakh and Rs.10 lakh for children above 3 months and for adults above 18 years.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus, maternity cover, health check-up etc. are the benefits provided.
  • Co-pay (10% / 20%), deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), reduction in the maternity waiting period, critical illness cover, etc. are optional.

Family Coverage :

  • This is a family floater plan that covers health costs of the entire family in the range of Rs. 4.5 Lakh and Rs.10 lakh.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, no-claim bonus, maternity cover, health check-up etc. are offered benefits. Co-pay (10% / 20%) and deductible (Rs.1 lakh; Rs.2 lakh or Rs.3 lakh), reduction in the maternity waiting period, critical illness cover, etc. are optional.

ProHealth Preferred

Individual Coverage :

  • This policy offers complete health coverage in the range of Rs. 15 lakh and Rs. 50 lakh for children above 3 months and for adults above 18 years.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, health checkup, no claim bonus, etc. are provided in the plan.
  • Compared to ProHealth Plus, this plan has higher maternity and health maintenance benefit covers.
  • Critical illness cover and reduction in the maternity waiting period are optional.

Family Coverage :

  • This is a family floater plan covering health costs of the entire family in the range of Rs.15 lakh and Rs.50 lakh.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Pre and post hospitalization expenses, coverage for day-care procedures, restore benefit, health check-up, no claim bonus etc. are provided in the plan.
  • Compared to ProHealth Plus, this plan has higher maternity and health maintenance benefit covers.
  • Critical illness cover and reduction in the maternity waiting period are optional.

ProHealth Premier

Individual Coverage :

  • This plan offers a cover of Rs.1 crore for children of above 3 months and for adults above 18 years.
  • Pre and post hospitalization expenses, coverage for day-care procedures, health check-up etc. are the benefits provided in the plan.
  • Compared to ProHealth Preferred, this plan has higher maternity and health maintenance benefit covers.
  • Optional coverage includes reduction in the waiting period for maternity.

Family Coverage :

  • This is a basic family floater plan which covers health costs of the entire family in the range of Rs.1 crore.
  • A maximum of 2 adults of any age above 18 years and 2 children between age 3 months and 18 years in the family can be covered under this policy.
  • Compared to ProHealth Preferred, this plan has higher maternity and health maintenance benefit covers.
  • Optional coverage includes reduction in the waiting period for maternity.

If you want to buy any of the variants of Cigna TTK ProHealth insurance plans, or want to know more about the related terms and conditions, click here.

Lifestyle Protection Critical Care

This plan by Cigna TTK is available on both individual and family floater basis. A lump sum amount is offered to the policyholder if diagnosed with critical illness. Details of the plan are mentioned below:

Individual Coverage :

  • This policy offers coverage up to Rs.3 crore for individuals between age 18 years and 65 years.
  • The plan offers lump sum amount to the policyholder after being diagnosed with critical illness.

Family Coverage :

  • This is a family floater plan which covers health costs of the entire family up to Rs.3 crore.
  • It covers family members between age 18 years and 65 years which can include self, spouse, dependent parents and dependent parent in - The plan offers lump sum amount to the policyholder after being diagnosed with critical illness.

To know more about this plan, contact Coverfox.

Global Health Group Policy

This is a group health insurance policy for people travelling abroad for business purposes.

  • It provides outpatient cover, coverage for any international emergency, maternity cover etc.
  • The plan is available in two variants: Ruby and Diamond.

To know more about this plan, contact Coverfox.

Claims Process at Cigna TTK Health Insurance

There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization.

Cigna TTK Health Insurance has a well-defined claim processing system.

Cashless Service: Seeking Pre-Authorization

  • Complete the pre-authorization form available at the hospital’s insurance/TPA Desk.
  • Send the completed form via email or fax.
  • Approved letter will be sent by the claim management team. Remember that the claim management team could send an inquiry to the hospital or you before authorization.
  • In case the authorization is rejected, initiate the treatment and file for reimbursement claim.

Reimbursement Claim: Claim Submission

  • Complete the necessary form and submit along with required documents, as per the policy terms and conditions.
  • Necessary documents include discharge summary, prescriptions, bills etc.
  • Approved letter will be sent by the claim management team. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.
  • In case the claim is rejected, the reasons will be communicated by the team.

In case of any emergencies, you need to inform Cigna TTK within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Cigna TTK's toll free number 1800-10-24462. The same could also be emailed to customercare@cignattk.in.

Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

Review of Cigna TTK Health Insurance

Cigna TTK health insurance is part of Cigna, one of the pioneers and leaders in insurance in US and are a Fortune 500 company. With some prodigious benefits on offer like No Claim Bonus up to 50%, Cigna TTK boasts of exceptional post sales service. With an improvement in the claim rejection ratio compared to its competitors and a robust network of affiliated hospitals for cashless settlement, Cigna TTK can certainly climb up to one of the Top Five insurers in India. For more details on the plans offered, please call Coverfox at 1800-209-9970.

Cigna TTK Health Insurance