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  • Cigna TTK Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Established in 2013, Cigna TTK Health Insurance Company Limited is a well-known name in the health insurance sector. The company is a joint venture between the TTK group and Cigna Corporation. It has a wide presence across the country and provides personalized, customer-centric service.

    Features & Benefits of Cigna TTK Health Insurance

    • Maternity benefits: Cigna TTK health insurance plans are specially designed to incorporate maternity benefits. This includes new born baby cover and vaccination for 1 year.
    • Worldwide cover: The policies are designed to provide extensive coverage at some of the best hospitals across the globe.
    • Customer support team: An expert team of customer care representatives caters to the needs of customers. Be it solving queries, making claims or renewals, support will be provided round the clock.

    Plans provided by Cigna TTK Health Insurance

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max) Policy Term
    Cigna TTK Pro Health Insurance Individual and Family  
    Pro Health Protect Min: Rs.2.5 lakh Max: Rs.10 lakh
    Pro Health Plus Min: Rs.4.5 lakh Max: Rs.10 lakh
    Pro Health Preferred Min: Rs.15 lakh Max: Rs.50 lakh
    Pro Health Premier Up to Rs.100 lakh
    1, 2 or 3 year
    Cigna TTK Lifestyle Protection Individual and Family  
    Critical Care Up to Rs.3 crore
    Accident Care Min:Rs.50,000 Max: Rs.10 crore
    1, 2 or 3 year
    Cigna TTK Global Health Group Policy Individual and Global Min: Rs.50 Lakh Max: Rs.12 crore As mentioned in the policy document
    Cigna TTK Lifestyle Protection Group Policy Individual and Family As mentioned in policy document As mentioned in policy document
    Cigna TTK Hospital Cash Plan Individual and Family Up to Rs.5,000 per day and cover up to Rs.25 lakh for critical illness, accidental death, and permanent total disability 1, 2 or 3 year

    Premiums may vary depending upon factors like age, location, term of the plan and prevailing taxes/GST.

     

    Cigna TTK Pro Health Insurance

    This policy provides comprehensive coverage against major health conditions and comes with good riders for both individuals and families.

    Unique Features of Cigna TTK Pro Health Insurance

    • This plan is available in 4 variations: Pro Health Protect, Pro Health Plus, Pro Health Preferred and Pro Health Premier:

    1)Pro Health Protect

    • This policy provides cover for hospitalization-related expenses, pre, and post-hospitalization expenses, day care treatment, ambulance charges, domiciliary treatment, internal coverage, maintenance benefits, free health check-up
    • Tax benefit can be availed
    • Other benefits include portability, voluntary co-payment and expert opinion for specified critical illnesses

    Plan Details

    Policy term 1, 2, or 3
    Entry Age 91 days and 18 years, no maximum age limit
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.2.5 lakh Max: Rs.10 lakh
    Premium Varies as per sum insured chosen
    Medical Screening Depending on age factor and sum insured chosen
    Co-Payment 10% to 20% on voluntary basis
    Waiting Period 30 days and 90 days before symptoms occur, 2 years for specific illnesses
    No Claim Bonus Yes
    Discounts 7.5% for 2-year tenure, 10% for 3-year tenure

    2)Pro Health Plus

    • Covers hospitalization expenses, pre, and post-hospitalization expenses, day care treatment, emergency protect
    • This policy also covers maternity-related expenses, newborn baby care and the expenses incurred towards the vaccinations till the baby turns one year old
    • Tax exemption applicable
    • Cumulative bonus, health rewards, expert opinion, maintenance of health and free health check up
    • Add-on for critical illnesses

    Plan Details

    Policy term 1,2 or 3
    Entry Age 91 days and 18 years, no maximum age limit
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.4.5 lakh Max: Rs.10 lakh
    Premium Depending on age, gender, sum insured, etc
    Medical Screening Depending on age factor and sum insured chosen
    Co-Payment 10% to 20% on voluntary basis
    Waiting Period 30 days and 90 days before symptoms occur, 2 years for specific illnesses
    No Claim Bonus Yes
    Discounts 7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

    3) Pro Health Preferred

    • This plan is designed to provide extra benefits and a higher sum insured option
    • OPD benefits, maternity care, International worldwide cover, health rewards, health maintenance
    • Coverages include hospitalization expenses, day care, donor, ambulance, domiciliary, pre, and post-hospitalization expenses
    • Delivery and maternity care, vaccination for 1 year, new born baby care
    • Tax benefit
    • Free health check-up, add-on for critical illnesses

    Plan Details

    Policy term 1,2 or 3
    Entry Age 91 days and 18 years, no maximum age limit
    Plan Basis Individual and Family
    Sum Insured Range Min:Rs.15 lakh Max:Rs.50 lakh
    Premium Depending on age, gender, sum insured, etc
    Medical Screening Must
    Co-Payment 10% to 20% on voluntary basis
    Waiting Period 30 days and 90 days before symptoms occur, 2 years for specific illnesses
    No Claim Bonus Yes
    Discounts 7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

    4) Pro Health Premier

    • Maternity, newborn and vaccination benefit
    • This policy comes with a higher coverage option and also provides home care
    • Worldwide cover, health benefits, maintenance cover, ambulance, hospitalization, pre and post-hospitalization cover, day care, domiciliary and donor expenses
    • Rewards, free health check up
    • Tax benefit
    • Critical illness add-ons and advice/consultation

    Plan Details

    Policy term 1 ,2 or 3
    Entry Age 91 days and 18 years, no maximum age limit
    Plan Basis Individual and Family
    Sum Insured Range Up to Rs.100 lakh
    Premium Depending on age, gender, sum insured, etc
    Medical Screening Must
    Co-Payment 10% to 20% on voluntary basis
    Waiting Period 30 days and 90 days before symptoms occur, 2 years for specific illnesses
    No Claim Bonus Yes
    Discounts 7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

    Cigna TTK Lifestyle Protection

    The Lifestyle Protection plans come in two variants: Critical Care Plan and Accident Care Plan. The Critical Care Plan provides the policyholders the benefit of getting treated in some of the best hospitals abroad and covers 30 major illnesses. The Accident Care plan provides protection against personal accidents.

    1) Cigna TTK Lifestyle Protection - Critical Care plan

    • The Basic Plan provides coverage to 15 critical ailments and the Enhanced Plan provides coverage to 30 serious ailments
    • Illnesses covered are:
    Loss of speech
    Systemic Lupus Erythematosus
    Muscular Dystrophy
    Medullary Cystic Disease
    Parkinson's Disease
    Apallic Syndrome
    Benign Brain Tumor
    Bacterial Meningitis
    Alzheimer's Disease
    Fulminant Hepatitis
    Major Burns
    End Stage Liver Failure
    End Stage Lung Disease
    Aplastic Anaemia
    Coronary Artery Disease
    Loss of Sight
    Loss of Hearing
    Aorta Graft Surgery
    Primary Pulmonary Hypertension
    Multiple sclerosis with persisting symptoms
    Motor Neurone Disease with Permanent Symptoms
    Permanent Paralysis of Limbs
    Major Organ/ Bone Marrow Transplant
    Stroke Resulting in permanent Symptoms
    Kidney Failure Requiring Regular Dialysis
    Coma of Specified Severity
    Heart Attack (First)
    Open Heart Replacement
    Open Chest CABG
    Cancer of specified severity

    Plan Details

    Policy term 1, 2, or 3
    Entry Age Between 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Up to Rs.3 crore
    Premium Depends on factors like age, gender, sum insured, etc
    Medical Screening Varies as per age, sum insured, etc
    Co-Payment As mandated in the policy document
    Waiting Period 90 days
    No Claim Bonus Yes
    Discounts 7.5% for 2-year tenure, 10% for 3-year tenure, 10% family discount

    2) Cigna TTK Lifestyle Protection - Accident Care plan

    • This plan comes in 3 variants: Basic, Enhanced, Comprehensive
    Basic Enhanced Comprehensive
    Ambulance cover Accidental Death Accidental Death
    Funeral Cover Funeral Expenses Funeral Cost
    Accidental Death Ambulance Fee Disability that is total and permanent
      Permanent Total Disability Partial Disability
      Education Fund Education Fund
        Ambulance
        Orphan Benefit
        Loss of Employment
    • Provides international coverage
    • The add-on covers are for ailments like coma, broken bones, burns and temporary total disablement
    • The benefits provided under this plan include claims payout

    Plan Details

    Policy term 1, 2, or 3
    Entry Age Between 5 to 80 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.50,000 Max: Rs.10 crore
    Premium Depends on various factors such as age, sum insured, etc
    Medical Screening Must for those aged above 70
    Co-Payment As mandated in the policy document
    Waiting Period As mandated in the policy document
    No Claim Bonus Yes
    Discounts 7.5% for 2-year policy, 10% for 3-year policy, 10% family discount

    Cigna TTK Global Health Group Policy

    This health insurance policy comes in two variants: Ruby and Diamond. This provides extensive global coverage, provides inpatient, outpatient and AIDS/HIV cover.

    Unique Features of Cigna TTK Global Health Group Policy

    • This policy comes with a high coverage amount and is more suited for the business community that travels across the globe
    • International health coverage
    • Benefits included are maternity cover, AIDS/HIV, outpatient treatment, emergency services, dental and eye care, psychological and psychiatric wellness

    Plan Details

    Policy term As mentioned in the policy document
    Entry Age Between 18 to 75 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.50 Lakh Max: Rs.12 crore
    Premium As applicable

    Cigna TTK Lifestyle Protection Group Policy

    This health insurance policy is considered as the be all and end all of health insurance policies as it provides very extensive coverage when compared to other plans.

    Unique Features of Cigna TTK Lifestyle Protection Group Policy

    • This particular policy provides critical illness cover and personal accident cover
    • Benefits provided include accidental death and disability coverage
    • Protection is provided against 36 serious ailments as mentioned in the policy document

    Plan Details

    Policy term As mentioned in policy document
    Entry Age Between 18 to 75 years
    Plan Basis Individual and Family
    Sum Insured Range As mentioned in policy document
    Premium Depends on various factors such as age, sum insured, etc
    Medical Screening Depends on various factors such as age, sum insured, etc

    Cigna TTK Hospital Cash Plan

    The Cigna TTK Hospital Cash Plan is designed to provide a daily cash allowance to the policyholder at the time of hospitalization.

    Unique Features of Cigna TTK Hospital Cash Plan

    • The plan comes in 3 variants: Basic, Enhanced, Optional Covers
    Basic Enhanced Optional
    International Cover Sickness & Accident Cash Day Care
    ICU fee ICU fee Accidental Cash
    Sickness & Accident Cash International Cover Disability Cover
    60-day coverage Convalescence Cover Critical Illness
      Companion Benefit 180-day coverage
    Compassionate Cover  
    90-day coverage  

    Plan Details

    Policy term 1, 2, or 3 year
    Entry Age Between 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Daily allowance of Rs.5,000
    Premium Varies depending on age, gender, sum insured
    Discounts 10% family discount, 7.5% on 2-year policy, 10% on 3-year policy

    Checklist before Buying Cigna TTK Health Insurance

    • Choose the right coverage amount: Depending on personal needs, health situation and financial constraints, choose a coverage option that is right for you. It is not necessary to always opt for a higher sum insured, even a moderate amount that suits personal needs is more than enough.
    • Check the number of exclusions: It always wise to take a note of all the benefits that are not included in the health insurance policy and weigh the pros and cons before making a purchase decision.
    • Read the terms and conditions: Before purchasing a policy, it is very important to thoroughly read the terms and conditions to fully understand what you are getting into.
    • Check the claim settlement ratio: One of the other most crucial factors to look at while buying health insurance is the claim settlement ratio, which is nothing but the number of claims that are successfully approved during a claim year.

    Documents Required for Purchasing Cigna TTK Health Insurance

    • ID proof
    • Address proof
    • Medical reports, if asked

    Reasons to choose Cigna TTK Health Insurance

    Cashless claim services
    Hassle-free settlement
    Easy purchase & renewal

    Incurred Claim Ratio of Cigna TTK Health Insurance

    The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2016-17 48.14%

    Extra Benefits from Cigna TTK Health Insurance

    Claim tracking All claims, be it cashless or reimbursement claims, can be easily tracked at the click of a button through their website. Just key in the claim number, policy number and customer ID to do so.
    Health tools Cigna TTK offers policyholders interesting health tools on their website that helps calculate heart rate, ideal body weight. It also evaluates stress risk, body mass index, etc
    Newsletter Cigna TTK publishes a health and wellness newsletter that gives customers the opportunity to read a number of articles and posts on health.

    Cigna TTK Health Insurance Renewal

    Renewing an insurance policy is an easy process. Log on to the Cigna TTK website and click on the ‘Renew Now’ option. Fill in details and proceed to make payment towards renewal.

    Cigna TTK Health Insurance Network Hospitals for Cashless Treatment

    Cigna TTK has a pan India network of cashless claim hospitals where customers can benefit from direct health care services at some of the best hospitals without any hassles. Some insurance plans also provide cashless treatment at hospitals outside India. To locate the nearest network hospital, log on to their website and click on the ‘Hospital Locator’ option.

    Cigna TTK Health Insurance Claim Procedure

    Cashless claim:

    • Tell the insurance provider immediately
    • Seek prior approval
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Incomplete claim forms will not be processed
    • Reimbursement claims will not be processed until documentary evidence in the form of bills, invoices and discharge summary is not provided

    Cigna TTK Health Insurance Reviews

    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken my health insurance from the CIGNA TTK HEALTH INSURANCE the reason that why i have taken is that there is a good hospital facilities. I had a no claim but there is a good policy coverage for 5 lakhs which is for my family. Documentation done on time.
      Was this review helpful? 0
      , chandrapur
      Reviewed on Jul 27, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      There is no particular reason from my end for using the health insurance from the CIGNA TTK HEALTH INSURANCE someone suggested me to take the insurance from the CIGNA. The process of getting the policy is very simple. I normally pay the premium through online.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 24, 2018
    • Cigna TTK Health Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken my health insurance online with Cigna TTK. The coverage is for three lakhs. It is taken for my family and I. The medical coverage is for three lakhs. The premium cost is normal. There are medical cards provided to me and there are good benefits too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 14, 2018
    • Cigna TTK Health Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I have been using my health insurance from the CIGNA TTK HEALTH INSURANCE since last 1 month. After documents for porting it took nearly a 1 year. I am not satisfied with the hospital list. Medical coverage is good and the premium is nominal.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2018
    • Cigna TTK Health Insurance
      "Satisfied with the process"
      0.5 4.0/5 "Great!"
      I have a heath insurance with Cigna TTK. It is a corporate policy. The policy is for my family and I. There is a coverage of five to six lakhs. I also had a claim experience and the process was easy and smooth to get my claim. I had no hassles overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 07, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      Everything it is good. I had no claim experience. Documentation i have done through the on line. I had contacted regrading the medical reports they helped regarding the quirey. Medical coverage is good. The hospital facility is good. I have been holding from 5-6 months. Payment yearly once i do through one line.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 03, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      It is a good experience. I am using since 4-5 months. Payment i do through the on line yearly once. Documentation i do through the on line and simple and easy to get the insurance. I had a claim experience. I am satisfied with the claim experience. Initially i took 2.5 lakhs. I can take twice claim in my insurance. Coverage is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 03, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      From the CIGNA TTK HEALTH INSURANCE i have been holding my health insurance. I have taken my insurance through the on line and i do payment through the on line for my insurance. There is a good premium. I am getting good hospital options. Disease coverage is there in my insurance.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 30, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been using since one year. No claim i had in my insurance. Physical documents that i applied for my insurance. Payment i do through the net banking or otherwise auto debit sometimes. Coverage is good and the premium is constant every year 4lakhs is the insurance. Disease coverage is there. Hospital options are good.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 30, 2018
    • Cigna TTK Health Insurance
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I had not much experienced with the insurance what i am holding with. No claim alsoi had so far. Payment i do through on line for yearly once. Medical coverage i have no idea regarding that. Documentation i done through the on line. Customer service i have not yet contacted.
      Was this review helpful? 0
      , patiala
      Reviewed on May 28, 2018
    • Cigna TTK Health Insurance
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      It is a perfect. I have been using since 5 months. Customer service i have contacted and they gave me a proper response. I had no claim experience. It depends upon the scenario at the time of medical coverage. I do my payment through net banking it is for yearly once.
      Was this review helpful? 0
      , thane
      Reviewed on May 24, 2018
    • Cigna TTK Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      Got my health insurance from Cigna ttk health insurance . It has the best plan line cashless treatment . It has medical coverage of one year for 1.5 lakh . It has god premium amount with best policy coverage . I annually pay the payment through online banking . It could have been better in documentation as it took 10 days for approval.
      Was this review helpful? 0
      , kota
      Reviewed on May 22, 2018
    • Cigna TTK Health Insurance
      "Good Health Insurance"
      0.5 4.0/5 "Great!"
      I"ve bought this policy last December, I bought this policy for myself. I never had any claim experience with them. I bought this policy through online; I'm not aware of the benefits of the Cigna TTK Health insurance policy. I can claim upto 4 Lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • Cigna TTK Health Insurance
      "Low Premium Insurance"
      0.5 4.0/5 "Great!"
      Cashless transaction is upto 4.5 lakhs. TTK Cigna is which has brand value all over the benefits. I have checked the claim status and ratio. Then i found this company has 97% claim ratio. Hospitals which is nearby home has tied up with Cigna TTK insurance. It is better to have a maternity benefits. Maternity benefits are not there. The premium is very low compared to other companies.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 15, 2018
    • Cigna TTK Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've two health insurance policies, Cigna TTK health insurance is the first one I bought, I checked and compared several polices online and found Cigna TTK was the one which I need in terms of their features. I'm yet to claim this policy still it is a recommendable policy to have.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2018
    • Cigna TTK Health Insurance
      "an extra ordinary experience"
      0.5 4.0/5 "Great!"
      I own a Health insurance policy from the top most insurance company CIGNA TTK HEALTH INSURANCE. They provided a good counseling. They provided me a good professional coach. They provided me a discount on my annual premium amount also, which makes me a very happy. The customer support is good and they sorted my issues instantly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 09, 2018
    • Cigna TTK Health Insurance
      "Online services are not satisfied"
      0.5 2.5/5 "Just OK"
      Cigna Ttk has offering very less no claim bonus and it was bonus around 5 to 10%. I have paid 12K for a year. I have taken the plan for 4.5L and it covers my entire family. Their online service is not user friendly and don't have application. It was taken 1.5 years back. They need to improve the customer service as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 07, 2018
    • Cigna TTK Health Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance policy from Cigna TTK. The policy is very suitable and satisfactory, the terms and conditions of the policy is also acceptable. My total premium is around Rs. 9,622 and sum assured to me is around Rs. 2,50,000. I have no issues with the policy so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 07, 2018
    • Cigna TTK Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I was looking for some benefits, hence I selected Cigna TTK which is suiting for me. I paid the premium around Rs. 16,000 it has tenure of one year. I have taken medical coverage of Rs. 5.5 lakhs it covers for three person. Its just an add on plan with basis features, anyway I already have health policy from my company.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 02, 2018
    • Cigna TTK Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance policy from Cigna TTK. The total premium is around Rs. 28,000 and sum assured to me is around Rs. 5,00,000. Initially I had to pay more for the premium because they said some disease were not included in the policy like diabetes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 27, 2018
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