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Cigna TTK Health Insurance

Cigna TTK health insurance is a progeny of Cigna Corporation and the TTK Group, and focuses on health insurance products. 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. 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. Their flagship product is Cigna TTK ProHealth Policy.

Plans Offered by Cigna TTK

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 INR 2,50,000 and INR 4,50,000 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 (INR 1,00,000; INR 2,00,000 or INR 3,00,000), 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 INR 2,50,000 and INR 4,50,000.
  • 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 (INR 1,00,000; INR 2,00,000 or INR 3,00,000), critical illness cover, etc. are optional.

ProHealth Plus

Individual Coverage

  • This policy offers complete health coverage in the range of INR 4,50,000 and INR 10,00,000 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 (INR 1,00,000; INR 2,00,000 or INR 3,00,000), 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 INR 4,50,000 and INR 10,00,000.
  • 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 (INR 1,00,000; INR 2,00,000 or INR 3,00,000), 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 INR 15,00,000 and INR 50,00,000 for children above 3 months and for adults above 18 years.
  • 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.

Family Coverage

  • This is a family floater plan covering health costs of the entire family in the range of INR 15,00,000 and INR 50,00,000.
  • 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 INR 1,00,00,000 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 INR 1,00,00,000.
  • 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, health check up, etc. are 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.

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 INR 3,00,00,000 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 INR 3,00,00,000.
  • It covers family members between age 18 years and 65 years which can include self, spouse, dependent parents and dependent parent in laws, dependent grandparents and dependent siblings (up to age 25 years).
  • 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.

Talk to a Health Insurance Advisor

Understand all the benefits of Cigna TTK health plans

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Benefits

  • No cap on the room rent limit
  • 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)
  • Great customer service

Claim Process at Cigna TTK

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.

Frequently Asked Questions

What is Worldwide Emergency Cover?

Cigna TTK will cover Medical Expenses of the Insured Person incurred outside India, up to limits specified in the Schedule, provided that:

  • The treatment is Medically Necessary and has been certified as an Emergency by a Medical Practitioner, where such treatment cannot be postponed until the Insured Person has returned to India.
  • The Medical Expenses payable shall be limited to Inpatient Hospitalization only.
  • Any payment under this Benefit will only be made in India, in Indian rupees on a re-imbursement basis and subject to Sum Insured.
  • The payment of any claim under this Benefit will be based on the rate of exchange as on the date of payment to the Hospital published by Reserve Bank of India (RBI) and shall be used for conversion of foreign currency into Indian rupees for payment of claim. In cases, where on the date of discharge, if RBI rates are not published, the exchange rate next published by RBI shall be considered for conversion.

Why should I buy Cigna TTK Lifestyle Protection-Critical Care Plan?

Below are the features of the plan that will help you make a decision.

  • Covers 15 Critical Illnesses under Basic plan
  • Covers 30 Critical Illnesses under Enhanced plan
  • Wide range of Sum Insured options
  • Medical Second Opinion from specialists
  • Customized Online Wellness Programs
  • Lump Sum or Staggered Claim Payout Option

Who should opt for Cigna TTK Global Health Group Policy?

Global Health Group Policy is designed to cater to the health needs of today's mobile workforce that travels overseas regularly. It covers Indian locals and expatriates working abroad under one umbrella.

Which all hospitals are covered under Cigna TTK’s cashless network?

Cashless services are available at a network hospital. To locate a Cigna TTK network hospital near you, click here

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.