Compare Cigna TTK Health Insurance Plans

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Cigna TTK Health Insurance Company

Cigna TTK Health Insurance
One of the recent entrants in the steadily growing insurance sector of India, Cigna TTK Health Insurance Company Limited is a private firm. It was established in the year 2012 as a joint business between a global insurance company and an Indian company. Following approval from Insurance Regulatory and Development Authority of India (IRDA), the company’s services took-off in the year 2014.

Cigna Corporation, an American company, has a huge presence in the insurance market. It brings its expertise to the table and holds 26% of the stocks inCigna TTK Health Insurance. The TTK group holds the rest of the stocks and its knowledge of the Indian market is an asset to the health insurance company.

The company operates with the mission, ‘improve the health, well-being and sense of security for the customers’. Cigna TTK is utilising technology and other resources to provide the finest and personalised customer service in India. It is already being recognised by organisations, and it won the ‘Economic Times Best Promising Brands 2015’ award.

With innovative products and great services, Cigna TTK Health Insurance Company Limited is all set to become one of the leading Indian insurance firms.

Key Advantages and Features

The company has come up with great products for the Indian customers. There is a wide range of plans available; from individuals, families, senior citizens, groups to expecting mothers, Cigna TTK has it covered. You can know all about these policies from their informative official website or call Cigna TTK customer care if you have queries.
Common Features The Company Provides

  • Comprehensive healthcare plans for minimum premium
  • Over 4500 hospitals are included in the Cigna TTK Health Insurance hospital list
  • Free comprehensive health check-ups for insured people after specific intervals
  • Treatment expenses before and after hospitalisation are covered for a certain number of days
  • Customers can avail lifelong renewal of the insurance plans already in place
  • There is no limit on the hospital room rent
  • Customers can useCigna TTK Health Insurance login to perform various functions
  • You can gain benefits like health tools, wellness podcasts, offers, etc. from the official website
  • As a customer of Cigna TTK Health Insurance, you are eligible for income tax deductions
  • The company has offices in all the major cities of India though it is headquartered in Mumbai
  • Cigna TTK online payment option available for all

Insurance Plans

Cigna TTKProHealth– comprehensive plan for individuals and families available in 5 variations

  • Entry Age
  • Minimum– 91 days for children and 18 years for adults
  • Maximum– no limit
  • Sum Assured (in Rupees)
  • ProHealth Protect – 2.5, 3.5, 4.5, 5.5, 7.5 or 10 lakhs
  • ProHealth Plus – 4.5, 5.5, 7.5 or 10 lakhs
  • ProHealth Preferred – 15, 30, 50 lakhs
  • ProHealth Premier – 100 lakhs
  • ProHealth Accumulate – 5.5, 7.5, 10, 15, 20, 25 lakhs
  • Coverage
  • Expenses incurred 60 days pre-hospitalisation, and 90/180 days post-hospitalisation are covered
  • Ambulance charges covered up to Rs.2000
  • Health management benefit of a certain sum per year for consultation and tests
  • Expenses due to pre-existing diseases covered after 2 or 4 years depending on the variant
  • 100% restoration of sum assured in the same year if expenses exceed the sum
  • No-claim bonus of each claim-free year is cumulative
  • Maternity and newborn expenses are covered in the ProHealthPremier plan
  • Extra benefits
  • Critical illness add-on cover can be bought for people
    between 18 and 65 years of age
  • Additional info
  • Policy term can be 1, 2 or 3 years
  • Discount available on premium subject to conditions
  • Medical test required if age is more than 46 

Cigna TTKLifestyle Protection – Critical Care – a plan for preparing for the future in care you suffer from a critical illness

  • Entry age
  • Minimum– 18 years
  • Maximum– 65 years
  • Sum assured (in Rupees)
  • Earning member – maximum ten times the annual income
  • Non-earning spouse – 60% of the sum insured
  • Other dependents – 30% of the sum insured
  • Coverage
  • More than 30 critical illnesses covered including Parkinson’s disease, multiple sclerosis and cancer
  • Second medical opinion on the diagnosis from one of the network hospitals is covered
  • Customers can access the company’s online wellness programs like health risk management and nutrition program
  • Extra benefits
  • 10% discount in premium for registering more than two members of a family under the same policy
  • Policy will continue for remaining members even if claim has already been paid for one member
  • Additional info
  • Sum assured paid can be as a lump sum or staggered
  • Pre-existing diseases are not included in the covers

Cigna TTK Lifestyle Protection – Accident Care – coverage provided for expenses in case of serious injuries, death and permanent disability

  • Entry age
  • Minimum–5 years for children and 18 years for adults
  • Maximum – 25 years for children and 80 years for adults
  • Sum assured (in Rupees)
  • Between 50 thousand and ten crores depending on the customer
  • Maximum ten times the annual income
  • Coverage
  • Policy can be bought in 3 variants, i.e. basic cover, enhanced cover and comprehensive cover
  • Basic plan covers ambulance charges, accidental death and funeral expenses only
  • Permanent total disablement and education fund are included in the enhanced plan
  • The extra covers of the comprehensive plan are partial disablement, orphan benefit and loss of employment benefit
  • Extra benefits
  • Optional add-ons available are coma benefit, burns and broken bones benefit and temporary disablement
  • Additional info
  • Dependent in-laws and siblings can also be covered in the same plan
  • Medical tests are necessary for person in the age group 70 – 80 years

Cigna TTKProHealth Cash – a plan to cover the daily expenses during hospitalisation

  • Entry age
  • Minimum –91 days for children and 18 years for adults
  • Maximum – 17 years for children and 65 years for adults
  • Sum assured (in Rupees)
  • Ranges from 500 to 5000 per day for either 60, 90 or 180 days per year according to the plan chosen
  • Coverage
  • Basic plan and enhanced plan are available for purchase as an individual or family floater policy
  • Hospitalisation worldwide is covered in both variants
  • Basic plan covers hospitalisation due to sickness or accident and ICU cash benefit
  • In addition to the basic coverage, enhanced plan covers companion, compassionate and convalescence benefit
  • Extra benefits
  • Day-care treatment, accidental death and permanent disability and critical illness add-on covers available
  • Online wellness program can be accessed
  • Additional info
  • A 4-year waiting period is applicable to pre-existing conditions
  • Three times daily cash benefit is paid for ICU expenses

Cigna TTK Global Health Group Policy – a plan for insuring employees and their dependents when they are working abroad; available in 2 variants, i.e. Ruby and Diamond

  • Entry age
  • Minimum – 18 years
  • Maximum – 75 years
  • Sum assured (in Rupees)
  • Can range from 50 lakhs to 12 crores
  • Coverage
  • Dependent spouse and children up to 25 years of age can be covered
  • Inpatient, outpatient and day care expenses are included
  • HIV/AIDS benefits, maternity and newborn benefits are unique features by the company
  • Dental treatment, eye treatment, and psychiatric care
  • Emergency out of area treatment
  • Extra benefits
  • Global network of healthcare providers that includes over 100,000 places worldwide
  • Dedicated service website available for country-specific guides and payment details
  • Additional info
  • Options for area of coverage can be chosen by the insurer/employer

Cigna TTKProHealth Group Insurance Policy – flexible plan for businesses to meet all the healthcare needs of employees

  • Entry age
  • All employees can be covered
  • Sum assured (in Rupees)
  • Flexibility in choosing the sum assured per member of the group
  • Coverage
  • Individual or family floater coverage is available
  • Basic cover includes in-patient hospitalisation, pre and post hospitalisation expenses, ambulance cover, etc.
  • In-hospital AYUSH treatment
  • 41 optional or customizable additional covers
  • Extra benefits
  • Cost-sharing options for insured employees
  • Optional maternity, dental and OPD benefits
  • Online support for looking up Cigna TTK claim status or network hospitals
  • Additional info
  • Efficient team in place to handle claims and queries
  • Waiting period waiver is also applicable
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