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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
      "Smooth process"
      0.5 4.5/5 "Excellent!"
      The process of doing the claim is pathetic. To approach to the claim process is very bad. I have to visit their branch for submitting the documents, They have to assign a person for submitting the documents. There is no proper acknowledge after submission of documents however the claim was very nice. Within 10 days my claim got settled. I have submitted the claim amount of Rs. 44000 and they have approved for Rs. 42,900. The problem in the hospital, they do not have a cashless treatment facility.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2018
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have no experience in any claim. I have taken my health insurance through online. There is a monthly expenditure which is not covered in the policy if hospitalized happened i can avail the cashless facility. Probably 1 year back, i have taken this policy for a whole family. I made a premium amount of Rs. 16000. Their customer care service is prompt. I have received the medical card and soft copy.
      Was this review helpful? 0
      , agartala
      Reviewed on Oct 10, 2018
    • Cigna TTK Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      My health insurance policy with Cigna TTK. I had taken the health insurance policy 4 years before and i'm just renewing the policy 2 days before. Since I'm working as a advisor in Cigna TTK, i have just taken the policy with them. They have offered me a coverage amount of Rs. 3 lakhs. I used to pay the premium amount of Rs. 10 K and i have taken this policy only for me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 28, 2018
    • Cigna TTK Health Insurance
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      There is no such reason for purchasing the health insurance policy with CIGNA TTK HEALTH INSURANCE and the premium is nominal when compared o the other policies. Medical coverage is 3lakhs which gives coverage for my family added on that it gives the coverage for pre existing disease coverage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 28, 2018
    • Cigna TTK Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have not utilized the policy. Since its comparatively good hence i have chosen this policy. They have a very good network of hospitals in my city. My health insurance policy was taken with Cigna TTK. I took this policy for my whole family. I made the premium of Rs. 9500. This policy is not covered for pre-existing disease. They are covering the policy upto Rs. 4 lakhs
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2018
    • Cigna TTK Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      The reason for purchasing the health insurance policy with CIGNA TTK HEALTH INSURANCE is because of premium and also for the coverage. Premium i have paid 6-7k and the medical coverage is for 5 lakhs for my complete family. I had no claim experience with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 27, 2018
    • Cigna TTK Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason behind taking the health insurance policy with CIGNA TTK HEALTH INSURANCE is because they are providing the medical coverage for senior citizen. Premium i paid 13k approximately with the medical coverage of 3laksh which covers only for self including the illness and accidental overages.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 25, 2018
    • Cigna TTK Health Insurance
      "Good policy"
      0.5 3.5/5 "Pretty good"
      Cigna TTK customer care service not that much happy about it. I have chosen this policy for my whole family. Communication wise they are not properly holding to the customer details and records. After sending so many repetitive mails, they used to send the hard copies to the correct address. Actually according to the premium amount and the services i have chosen this company among many companies.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 23, 2018
    • Cigna TTK Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have used the health insurance policy with CIGNA TTK HEALTH INSURANCE for past 1 year and the medical coverage they offered me is for 5lakhs and that covers for my complete family. It covers the critical illness, disease coverage also the accidental benefits.
      Was this review helpful? 0
      , solapur
      Reviewed on Sep 17, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking CIGNA TTK HEALTH INSURANCE is because of lower premium and also for good benefits. Premium i have paid 7900k and they have offered the medical coverage of 5lakhs which gives the coverage for me and my spouse. I had no claim experience.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 11, 2018
    • Cigna TTK Health Insurance
      "Good product for family"
      0.5 4.0/5 "Great!"
      I'm not taken any treatment by using this health insurance policy. I have purchased this health insurance policy 1 year ago. I have made payment of Rs. 14000 approximately. I have chosen this health insurance only for my mother and they have covered the pre-existing disease also however its applicable after 4 years. I have compared in the Internet about the different policies and this is the best one i found.
      Was this review helpful? 0
      , bareilly
      Reviewed on Sep 10, 2018
    • Cigna TTK Health Insurance
      "Good health insurance policy. "
      0.5 5.0/5 "Blown Away!"
      The response was very good in Cigna TTK thats the reason i have selected this company. I pay the premium amount of Rs. 6000 around. I taken this policy for my wife and my mother. Still i have not even used the policy hence I'm not aware of the benefits. I have bought this policy 8 months back. I didn't face any issues in the procedure.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2018
    • Cigna TTK Health Insurance
      "BEST POLICY"
      0.5 5.0/5 "Blown Away!"
      I have purchased the health insurance policy with CIGNA TTK HEALTH INSURANCE with no particular reason but the premium i paid 6700k i paid medical coverage they provided 1.5lakhs which gives the coverage for my complete family. Hospital list is satisfactory to me in this insurance policy.
      Was this review helpful? 0
      , patna
      Reviewed on Sep 10, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason behind taking the health insurance policy with CIGNA TTK HEALTH INSURANCE is my friend refferd. I had no claim experience with this policy and the premium i pay 10k but i am not sure about the medical coverage. It covers my entire family and i am satisfied with the hospital list in this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2018
    • Cigna TTK Health Insurance
      "Cheap and best policy"
      0.5 5.0/5 "Blown Away!"
      It was recommended by people and it was economical and cheapest. It has wide number of hospital list. Cigna TTK is a reputed brand from American's company. I have applied the claim and it got rejected because i can able to claim only 2 years since i didn't know about it till now. I have made a premium amount of Rs. 15000 per year which is family floated.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 09, 2018
    • Cigna TTK Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      The health insurance policy of CIGNA TTK HEALTH INSURANCE was referd by my friend to me. Premium i paid 10k but i am not aware of the medical coverage that they provide to me. I had not experienced with any claim with this policy but it gives the coverage for my complete family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason behind taking the health insurance policy with CIGNA TTK HEALTH INSURANCE is that they are offering the good price and also the more add on packs so i have taken this policy. Premium i paid 11k but i am not aware of the medical coverage added on that it covers the family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • Cigna TTK Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason behind taking the policy of health insurance from CIGNA TTK HEALTH INSURANCE where the documents submitted through online. Premium i paid is for nominal and which covers the 7lakhs rupees but i had no claim added on that they give the coverage of accidental and also the illness coverage.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 08, 2018
    • Cigna TTK Health Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I had been using the health insurance policy with CIGNA TTK HEALTH INSURANCE since last 1 year where it gives the coverage for family. Medical coverage they offer for my family is 4lakhs rupees but the premium is higher side in this policy when compared to the other policies.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 08, 2018
    • Cigna TTK Health Insurance
      "Good insurance policy"
      0.5 3.0/5 "Satisfactory"
      I have purchased my health insurance in the month of January. I have made premium amount of Rs. 3000. I have bought this policy only for myself. They have covered pre-existing disease also. They are giving coverage upto Rs. 2 lakhs. The services has to be improved in Cigna TTK.
      Was this review helpful? 0
      , kalahandi
      Reviewed on Sep 07, 2018
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