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Cigna TTK Health Insurance

Cigna TTK Health Insurance Company  became functional in Feb 2014. After Cigna Corporation & TTK Group join hands to offer specific health insurance plans. Cigna TTK’s head branch is located in Mumbai that manages the business in more than 11 cities across India.

Cigna TTK health insurance is a perfect blend of the global expertise of the Cigna group and the domestic expertise of the TTK Group. Together, Cigna TTK formulated a wide range of health insurance plans and backed their health insurance plans through its customer support service. In order to offer around the clock customer support, the company invested in the latest technologies for offering smooth claims support.

Cigna TTK Health Insurance Company at a Glance

Key Features Highlights
Incurred Claim Ratio 48.14%
Network Hospitals 4000+
Waiting Period 4 years
Renewability Lifetime

Features of Cigna TTK Health Insurance

Here’s a quick rundown of the policy features-

  • You get  free access to services with wellness partners
  • Wellness programs to earn reward points
  • Customized plans help you to make smart health decisions without worrying about funds
  • It helps you to safeguard your finances so that you can accomplish your long-term financial goals
  • Offers coverage to your loved ones under the same plan
  • Offers  your lifetime renewal option thus reducing your financial burden resulting from a medical emergency
  • Some plans do not have sub-limits on the room rent
  • Free health check-up facility (only once) for individuals above 18 years of age after 3 consecutive policy years
  • Even pre-existing ailments can be covered after a waiting period of 4 years
  • Co-payment does not apply to all the plans

Cigna TTK Health Insurance Plans Comparison Table

Name of the Plan Sum Assured Entry Age Coverage Type Policy Term
ProHealth Protect Small Cover Plan Rs. 2.5 lakhs to 50 lakhs No bar on maximum entry age Individual & Family Floater 1 & 2 years
ProHealth Plus Medium Cover Plan Rs. 4.5 lakhs to 50 lakhs No bar on maximum entry age Individual & Family Floater 1 & 2 years
ProHealth Preferred Extra Large Cover Plan Rs. 15 Lakhs to Rs. 50 No bar on maximum entry age Individual & Family Floater 1 & 2 years
ProHealth Premier Extra Extra Large Cover Plan Up to Rs. 100 lakhs No bar on maximum entry age Individual & Family Floater 1 & 2 years
ProHealth Accumulate Large Cover Plan Rs. 5.5 lakhs to 50 lakhs Adults: 18 year to a lifetime

Children:  91 days to 23 years

Individual & Family Floater 1,2 & 3 years
ProHealth Select Policy Up to Rs. 25 lakhs Individual & Family Floater
Lifestyle Protection-Critical Care Plan up to Rs.25 crores 18 t0 65 years Individual & Family Floater 1,2 & 3 years
Lifestyle Protection – Accident Care Plan Up to Rs. 3 crores Adults: 18 to 80 years

Children: 5 to 25 years

Individual & Family Floater 1,2 & 3 years

Types of Cigna TTK Health Insurance Plans

  1. Cigna TTK Pro Health Insurance – The plan has 5 variants:
  • ProHealth Insurance Protect Small Cover Plan- It offers coverage to both individuals and families. The sum assured amount ranges from Rs. 2.5 lakhs to 50 lakhs.
  • ProHealth Insurance Plus Medium Cover Plan- It is designed to offer you a stress-free life thanks to its features like Protectiv Healing and ProActiv Living. The sum assured amount ranges from Rs. 4.5 lakhs to 50 lakhs.
  • ProHealth Insurance Preferred Extra Large Cover Plan- The range lies between Rs. 15 Lakhs and Rs. 50 lakhs and offers you emergency coverage across the globe.
  • ProHealth Insurance Premier Extra Extra Large Cover Plan- It offers an enhanced coverage of Rs. 100 Lakhs and covers medical treatment across the globe.
  • ProHealth Insurance Accumulate Large Cover Plan – The sum assured ranges from Rs. 5.5 lakhs to 50 lakhs.
  1. ProHealth Select Policy- This plan by Cigna TTK health insurance is designed to offer you Ayush cover. And the sum assured limit is Rs. 25 lakhs for both individuals and families.
  2. ProHealth Cash Policy- It covers worldwide hospitalization, accidental death, injuries and, critical illnesses.
  3. Global Health Group Policy- It is a unique plan that offers HIV/AIDS coverage and is available for corporate employees and their spouse and children.
  4. Lifestyle Protection Group Plan- It is an all-inclusive plan that provides group personal accident cover as well as a group critical illness insurance cover.
  5. Lifestyle Protection-Critical Care Plan – Sum insured options up to Rs.25 crores. It covers 15 and 30 critical illnesses under the basic and enhanced plan respectively.
  6. Lifestyle Protection – Accident Care Plan – It covers accidental death & disabilities. And the insurance cover is available across the globe.
  7. ProHealth Group Insurance Policy- It is a comprehensive plan offers 7 in-built benefits and comes with 41 optional covers.

Claim Procedure

The procedure to file a claim with Cigna health insurance is quick and easy. There are two ways of filing a claim, and both of them are explained below.

Cigna TTK Cashless Claims

In order to avail cashless treatment, you must seek medical treatment in a network-listed hospital of Cigna TTK health insurance. Here are the two ways of filing a cashless claim.

In case of a Planned Hospitalization

  1. To avail cashless facility for a planned hospitalization, you need to get an approval from Cigna TTK medical insurance.
  • In order to get an approval, duly fill the claim form and attach required documents and submit it to the insurer.
  • Once your cashless claim request is approved, intimate Cigna TTK health insurance 3 days before your admission.

In case of an Unplanned Hospitalization

  • Intimate them within 48 hours of getting admitted into a hospital
  • Display your health card & a photo ID card at the registration desk of your preferred hospital.
  • The officials will verify your details & submit a duly-filled & signed pre-authorization request form to Cigna TTK.
  • The pre-authorization request will get an approval within 1 hour 30 minutes of receiving the request.
  • After verification, Cigna health insurance company will provide an approval letter to the hospital. After that, the cashless medical treatment will begin. The insurer would directly settle the bills with the hospital.

Cigna TTK Reimbursement Claims

  • In case of reimbursement claims, duly fill the claim form, attached the required medical documents and submit it to the nearest Cigna TTK health insurance branch office within 15 days after getting discharged from the hospital
  • Your claim status will be updated to you through SMS or email
  • The reimbursement claim will be settled within 5-30 working days of submitting the claim form with relevant forms
  • The claim amount will be sent to the insured member through
  • Cigna TTK health insurance will send you the claim amount through NEFT/cheque/DD.

Cigna TTK Health Insurance Renewal

You must renew your mediclaim policy before the expiry if you do not want to miss the benefits of continuing the policy from the same insurer.

This is how you can get the renewal done-

  • Select Cigna TTK health insurance renewal option
  • Enter the policy number
  • Click proceed
  • And follow the steps

It is advisable that you read Cigna TTK health insurance reviews online before the renewal of your policy. This will give you an idea of the customer’s experience with the insurance company and basis on that you can make the decision.

Inclusions: TTK Health Insurance

Expenses incurred on the treatment before 60 days of hospitalization as well 90 days after the discharge

  • Hospitalization expenses such as room rent, laboratory tests, doctor’s fees, and surgery expenses etc. incurred by the insured person.
  • Room rent expenses, lab tests, doctor fees, and surgery expenses etc. incurred during the hospitalization
  • Accidental hospitalization
  • Worldwide hospitalization cover ( in some plans)
  • Inpatient, outpatient, and daycare facilities

Exclusions: TTK Health Insurance

You claim will not be processed if it arises due to any of the below-mentioned reasons-

  • Self-inflicted injuries
  • Suicidal attempts
  • Hospitalization required due to intoxication
  • Hospitalization required due to war conditions
  • Any health ailment resulting from nuclear radiations
  • Treatment for STDs

For a detailed list of exclusions please check with the insurance company.

Benefits of Cigna TTK Health Insurance Plans

Major advantages of buying Cigna TTK health insurance are listed below-

  1. It offers health insurance coverage to both the families and individuals.
  2. It comes with the option of lifetime renewability.
  3. It offers tax deductions as per Section 80D of the IT act.
  4. It provides insurance coverage for critical illnesses.
  5. It covers most of your health-related risks.
  6. If needed, the sum assured of a family floater plan can be enhanced to cover various insured members of a family.
  7. A grace period of 30 days on renewal with all continuation benefits.
  8. Free-look period of 15 days to cancel the policy with a full refund.
  9. Zone-based pricing enables you to pay as per the healthcare costs prevailing in your city.
  10. Cashless treatment is available at network hospitals.

How to Calculate Premium?

The premium for Cigna TTK mediclaim policies is calculated on the basis of the policy type, policy tenure, pre-existing diseases, co-payments, add-on covers, no-claim-bonus, coverage, age, and geographical location.

However, you can calculate the premium on your own by using a Cigna TTK health insurance premium calculator. Whether you opt for an individual plan or a family floater plan, you can derive the cost of the premium by entering the following information –

  • Name
  • City
  • Email
  • Amount of sum assured
  • Members to be covered
  • Date of birth

On feeding the above details, you will get your desired health insurance quote within seconds. You can try that for all the plans and zero down on the best medical insurance policy for yourself and your family.

Documents Required

List of the necessary documents that need to be submitted –

  • Patient’s photo ID
  • Claim form (duly signed)
  • Investigation reports such as MRI, X-Ray, ECG ( in original)
  • Discharge summary given by the hospital
  • Hospital bills along with the break-up of the bills
  • Notes of the operation theatre
  • Chemist Bills
  • Doctor’s prescription
  • Police FIR report( if required)
  • Post mortem report (if applicable)

Cigna TTK Health InsuranceFAQs

Q1. What is the claim settlement period for Cigna TTK medical insurance claims?

Usually, the medical insurance claims are settled within five to 30 days of receiving the last essential document.

Q2. What are the different variants of Cigna TTK ProHealth Insurance Plan?

The sum insured ranges from Rs. 2.5 lakhs to 100 lakhs and the plans are listed below-

  1. ProHealth Protect Small Cover
  2. ProHealth Plus Medium Cover
  3. ProHealth Accumulate Large Cover Plan
  4. ProHealth Preferred Extra Large Cover Plan
  5. ProHealth Premier Extra Extra Large Cover Plan

Q3. How many critical illnesses are covered in Lifestyle Protection-Critical Care Plan?

The basic plan covers up to 15 critical illnesses and the 30 critical illnesses are covered in the enhanced plan.

Q4. What are the special features of Cigna TTK ProHealth Group Insurance Policy?

  • It offers accumulated benefit for a group of people
  • This plan comes on an individual basis as well as floater basis
  • It offers 7 in-built benefits and comes with 41 optional covers.
  • It provides insurance coverage for AYUSH treatment
  • It covers maternity expenses, dental expenses, vision expenses, OPD etc.
  • It covers critical illnesses, as well as personal accident.
  • It provides daily hospital cash benefit
  • It provides the benefit of Long-Term Credit Linked Policy.

Q5. What is Cigna TTK worldwide emergency cover?

There are plans that provide global hospitalization cover. However, there are conditions that are applicable-

  • The treatment should be recommended by the certified medical practitioner under inevitable conditions.
  • It only compensates the inpatient hospitalization expenses
  • The payment will be made in India only ( up to the sum assured limit)
  • The exchange rate will be applicable as per the RBI.

Please refer to the policy documents for more details.

Q6. Where should I submit the duly filled claim form?

You can submit the Cigna TTK medical insurance claim form with all the required documents the nearest branch office within 15 days from the date of discharge from the Hospital.

Q7. What are the benefits of buying Cigna TTK ProHealth Insurance Preferred Plan?

You can avail the following benefits if you buy this plan-

  • It offers smart restoration of the sum insured
  • It covers the maternity expenses
  • It comes with quality care benefit with Protectiv Healing & ProActiv Living
  • It offers emergency worldwide hospitalization cover ( as per the policy terms and conditions)
  • This plan offers 10 percent non-reducing CB (cumulative bonus) upon renewal if no claim is filed during that year.

Q8. Is it possible to renew TTK mediclaim policies online?

Yes, you can start by entering your policy number and get an instant renewal of your current plan.

Q9. Are there any tax benefits of buying Cigna TTK medical insurance policy?

As per the Sec. 80 D of the Income Tax, you are eligible to get tax exemption on the amount of health insurance premium that you pay.

Q10. Is there any plan that offers HIV coverage?

You can buy the Cigna TTK Global health group policy as it offers HIV/AIDS coverage.