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  • Cigna TTK Health Insurance - Compare plans, reviews & renew online

    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
      "BETTER"
      0.5 2.0/5 "Expected more"
      There is no particular reason for taking the health insurance policy with the CIGNA TTK HEALTH INSURANCE but i had no claim experience with this policy also the medical coverage is satisfactory but i have no idea. Policy coverage is for self.
      Was this review helpful? 0
      , nellore
      Reviewed on Jan 23, 2019
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      CIGNA TTK HEALTH INSURANCE is the best insurance policy when compared to the others so i have taken the health insurance with this. Premium is 10K where the medical coverage is for 3L with this policy and it gives the coverage is for family. I had no claim experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the best insurance when compared to the others so i have taken the health insurance policy with the CIGNA TTK HEALTH INSURANCE. Premium i paid is 6k approx, medical coverage is for 6L which gives coverage for self and one dependent. Listed hospitals are good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased the health insurance policy with the CIGNA TTK HEALTH INSURANCE and i am using it from past 6 months as the policy coverage is very good which gives the coverage is for complete family which is 3.5L. I had no claim experience with this policy.
      Was this review helpful? 0
      , fatehabad
      Reviewed on Jan 03, 2019
    • Cigna TTK Health Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      The premium is lower in Cigna TTK and the medical coverage is 4.5L for per person. The customer service is good, I don't have any claim. I got the documents and insurance card, paid 6K per year through online. It was taken for couples and it has good network of hospitals for cashless.
      Was this review helpful? 0
      , howrah
      Reviewed on Dec 29, 2018
    • Cigna TTK Health Insurance
      "Better"
      0.5 4.0/5 "Great!"
      CIGNA TTK has charging lower premium and they are offering good service. They have contacted me for additional plans because I have not used the policy for claim so have not adapted the new policy. I have taken for couples, the medical coverage is 5L per person. It covers pre existing and critical illness. I have got this insurance papers on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2018
    • Cigna TTK Health Insurance
      "In all no hassles"
      0.5 4.0/5 "Great!"
      There were no hassles at Cigna TTK to get health insurance for my spouse as well. The medical coverage is fine, it is of 4.50 Lakhs. It is of ProHealth Protect plan. The policy documents was sent to me on time and the features are overall good too.
      Was this review helpful? 0
      , madurai
      Reviewed on Nov 30, 2018
    • Cigna TTK Health Insurance
      "Good features"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with Cigna TTK. It is a good experience with them as they were on time to contact me and informed me the details. The policy coverage is of 4.50 Lakhs. There are good features as well. The premium is normal too. Overall no hassles.
      Was this review helpful? 0
      , madurai
      Reviewed on Nov 30, 2018
    • Cigna TTK Health Insurance
      "Good in all"
      0.5 4.0/5 "Great!"
      My health insurance is with Cigna ttk. The process to get the policy was good. I had no hassles in that. The customer support and response is fine. I received the policy documents on time. The medical coverage is for 5.50 lakhs. I have not checked about the detailed benefits yet.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 29, 2018
    • Cigna TTK Health Insurance
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      I have also chosen Cigna ttk for the health insurance. The process is pretty simple and there has been no hassles. It is a ProHealth Protect plan. The medical coverage is of Rs. 5,50,000. The premium is nominal too. Good features and benefits too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 29, 2018
    • Cigna TTK Health Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      Cigna TTK is where I have my health insurance. It is a individual policy. The medical coverage is for six and half lakhs. There are features of cashless hospitalization. They also have a tie up with a good network on hospitals. The premium is of 6K on a yearly basis.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 24, 2018
    • Cigna TTK Health Insurance
      "Great Policy"
      0.5 4.0/5 "Great!"
      Since its covers for the maximum disease and i can claim for the OPD charges upto Rs. 2000 also this is the main reason for choosing the Cigna TTK company. I got this policy in January 2018. I have purchased the policy for myself alone. I paid a premium amount of Rs. 4400 for that i have got coverage value of Rs. 5 lakhs. I haven't used the policy yet.
      Was this review helpful? 0
      , allahabad
      Reviewed on Oct 31, 2018
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      The premium is comparatively good than other insurance company. My plan is called Pro helath plus, its an individual plan, its only cover for me. Cigna TTk gave me the medical cover around Rs.5. 5 lakhs, with cashless hospitalization and other benefits.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 30, 2018
    • Cigna TTK Health Insurance
      "Good Policy to use"
      0.5 4.0/5 "Great!"
      I have been renewing the health insurance policy for past 4 years. I used to receive a regular notification regarding the renewal. I took this policy for myself and my wife. They have given me a coverage amount of Rs. 15 lakhs. The hospital list are good with a cashless facility. I made a premium amount of Rs. 15000 nearly.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Oct 25, 2018
    • Cigna TTK Health Insurance
      "Need to know more about the policy"
      0.5 3.0/5 "Satisfactory"
      I have purchased the health insurance policy in the month of June. Because of the claim ratio i have bought the policy. I have taken a plan name of Accidental policy and there will be a terms and conditions. I'm satisfied with the hospital list. I have got the policy documents within a week. The critical illness policy is not applicable for 3 months and I'm not sure about the policy details. In my location, most of the familiar hospitals has been covered.
      Was this review helpful? 0
      , tirunelveli
      Reviewed on Oct 24, 2018
    • 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
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