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Health risks are uncertain and are expensive in nature. To face the unexpected medical costs; it is important to purchase health insurance in India. Cigna TTK helps us in getting financial back up in case of any unprecedented health issues by offering its various health insurance plans in the market. Amongst all the Pro-health plus Insurance plan is an eminent one with various features and services.
Cigna Corporation is a pioneer health insurance company of US which has entered into a partnership with the TTK group with the motive of bringing various health insurance products to the Indian market. Thus, Cigna TTK was established. The company was founded in the year 2014 and is a stand-alone health insurance company with its headquarters at Mumbai and spread across 15 countries of the nation.
The major goal of the Cigna TTK Health Insurance Company is to provide medical coverage to individuals and the families; helping them to improve their health and lowering the medical expenses thus, providing a sense of security. The Cigna TTK Health Insurance Company has got several health insurance plans and programs. It assists the clients with medical and life style factors associated with several chronic health disorders. The company has extensively designed its services in such a way so as to provide its customers with a hassle-free experience.
Cigna TTK has introduced a group health insurance product which is unique in providing global coverage to Indian employees travelling across the globe. This group health product is a first of its kind in providing health insurance services.
Cigna TTK Health Insurance Company has won the “Economic Times Best Promising Brands 2015”and is a partner of the Airtel Delhi Health Marathon and Standard Chartered Mumbai Marathon.
The Cigna TTK Pro Health plus Insurance Plan is a comprehensive health insurance plan for providing health coverage for the entire family. This plan comes with flexible terms and conditions, attractive features and affordable premium as well. The Pro Health plus plan helps in meeting up the expenses involved in hospitalization, treatment, diagnosis, medicines, room charges etc. Usually, the health coverage under this plan lies within the range of Rs.4.5 lakhs to Rs. 50 lakhs. The Pro health plus plan also has extensive features like maternity benefits, bonus and coverage throughout the world at the time of emergency.
The Benefits Provided By The Cigna TTK Pro Health Plus Insurance Plan Can Be Explained By The Below Mentioned Table.
|Day Care Treatments||Coverage Up To The Total Sum Insured|
|Domiciliary Hospitalization||Coverage Up To The Total Sum Insured|
|Organ Donor Expenses||Coverage Up To The Total Sum Insured|
|Maternity Expenses||Normal Delivery – lower of actual expenses or Rs.15,000 |
Cesarean Delivery-lower of actual expenses or Rs.25,000
|New Born Baby Cover||Coverage Up To Maternity Benefit Limit|
|First Year Vaccinations||Coverage Available|
|Ambulance Coverage||Coverage Up To Rs.3000 Per Hospitalization|
|Worldwide Emergency Cover||Coverage Up To The Total Sum Insured|
|Health Maintenance Benefits||Coverage Up To Rs.2000 Per Year For Out-patient Expenses|
|Restoration of Total Sum Insured||Coverage – Up To 100% Following A Claim (Once in a policy year)|
|Expert Opinion On Critical Illness||Coverage Provided|
|Health Check Ups||1 Annual Check- up For Adults Of 18 Years And More.|
|Healthy Rewards||1% Of The Paid Premium|
|Cumulative Bonus||Up To 10% Per Claim Free Year Subject To A Maximum 100% Of The Total Sum Insured.|
The Cigna TTK Health Insurance Plan Is A Huge Umbrella Under Which There Are Many Health Insurance Plans To Be Included.
Family Discount: If the policy holder is covering more than 2 family members in the same policy under Individual coverage, then she/he is eligible for getting a family discount of 10%.
Long Term Policy Discount: If the policy holder is selecting a 2 years policy, then she/he will get a 7.5% discount.
Co-Pay Discount: The policy holder gets a discount of 7.5% for a co-payment of 10% and also can get a discount of 15% for a co-payment of 20% on the policy.
The below mentioned table gives us an idea about the waiting period associated with the Cigna TTK Pro Health plus Insurance Plan.
|Coverage from Day 1||Accidental Injuries|
|Coverage after 30 days||All incidences except specific surgeries, permanent exclusion and pre-existing diseases|
|Coverage after 2 years||Cataract, Knee Replacement surgery, Urinary stones, Sinusitis, Tonsil surgery, Gastric, Polyps, Cyst, Internal/Skin tumors, Breast lump surgery.|
The features that are covered under the Cigna TTK Pro Health plus Insurance Plan are:
The Exclusions Of The Cigna TTK Pro Health Plus Insurance Plan Are:
|Age Of Entry||Policy holder and adults-18 years |
Dependent children – 91 days
|Term Of The Plan||1 Year||2 Year|
|Options For Premium Payout||Single Pay||-|
|Total Sum Insured||Rs. 4.5 Lakhs||Rs. 50 Lakhs|
|Renewal Age||Lifelong Renewal||Lifelong Renewal|
|Premium Calculated On Basis Of||Age, Lifestyle, Gender, Zone (Location and total sum insured)||-|
There Are Two methods For Making A Claim For Your Cigna TTK Pro Health Plus Plan:
Some of the commonly accepted valid age proof documents are:
Some of the commonly accepted documents for identity proof are:
Documents commonly accepted as address proof are:
Hence, with increasing health risks; it makes sense for each one of us to insure our health by purchasing ideal health insurance policies like the Cigna TTK Pro Health plus Insurance Plan. Due to its salient features and lucrative benefits; it provides security in case of any unexpected illness or health emergencies.
Why to choose Cigna TTK Pro Health plus Plan?
You should choose Cigna TTK Pro Health Plus plan because it is the best among many other plans. Its various features and benefits meet the requirements of the insurance buyers of our country. Tailoring of plans by customers as per needs and requirements is the most attractive feature of the Cigna TTK Pro Health Plus plan.
Is Cigna a good healthcare provider?
Yes, Cigna is a pioneer and a leader in the Health Insurance market.
How can you buy Cigna TTK Pro Health Plus policy?
You can visit the official website of the Cigna TTK Health Insurance Company. There you can select the plan you are willing to buy. After answering a few basic questions and premium payout; you are insured under your chosen plan.
How can you renew Cigna TTK Pro Health Plus policy?
The procedure for renewal of Cigna TTK Health Plus policy is same as that of purchase of new policy. You have to visit the website and select policy renewal. After paying needed premiums and answering some questions, your health insurance policy is renewed.
How long it takes for claim settlement?
If claims have been accepted, it will take 5 days to process the claims by the company.