Cigna TTK Health Insurance

Cigna TTK Health Insurance Overview In the age of fast moving world and chaotic lifestyle, most of us tend of ignore our daily health requirement. Nobody knows when they could find themselves in a medical exigency situation. It is then, when the magnitude of a health insurance plans is comprehended.

Cigna TTK Health Insurance Company Limited gratifies the needs of copious customer who wants to safeguard their health related expenses through health insurance plans.

The various kinds of Health Insurance Plans offered by CignaTTK Health Insurance are

Pro Health Protect Plan

Critical Illness Insurance

International Health Insurance

Cigna TTK Lifestyle Protection-Accident Care Plan

Pro-Health Cash

Cigna TTK Pro-Health Protect Plan

A unique, all inclusive health plan, covering all array of event which could cost towards the health of Individuals and their families. The features of this plan are

Available for individuals and families with an insurance coverage of amount up to Rs. 4.5 lakhs. All inclusive coverage for treatment of diseases leading up to and during hospitalization. Day Care procedures & Domiciliary Treatment.

Multiple options for selecting plans as per requirement. Sum insured options available are Rs. 2.5 lakhs, Rs. 3.5 lakhs and Rs. 4.5 lakhs.

Available for person aged between 91 days for children and 18 years for adults with no bar on maximum age under this plan. Option for lifelong renewal of the plans.

Flexibility to choose the term as per requirement between the option of 1 year & 2 year term.

Mandatory Medicals check up for insured aged 46 years and above across all Sum Insured options Worthwhile discount of 10% on the premium amount for enrolling more than 2 family members under a single individual health insurance policy.

Benefit of Cigna TTK Pro-Health Protect Plan Coverage Hospitalization expenses up to the sum insured as for nature of expenses

Room expenses

Surgeon’s fees,

Nursing,

Anesthesia, blood, oxygen,

Operation theater charges, surgical appliances, medicines, drugs and consumables

Pre Hospitalization expense up to 60 days prior hospitalization.

Post Hospitalization expenses such as like consultation fees, diagnostic tests, pharmacy related costs for a period up to 90 days after post discharge of patient.

Expense incurred for any Day Care treatment which requires hospitalizations less 24 hours for certain procedures like dialysis, radiation therapy, cataract surgery.

Expense for treatment done at home up to the sum insured, however should be based on doctor recommendation and condition of patient .

Expenses towards emergency ambulance service for amount up to Rs. 2000 /-. Inclusion of hospitalization expense of donor up to the sum insured. Provision for expense coverage towards Expert opinion charges for listed critical illnesses such as cancer or stroke. One of its kind, Sum insured restoration benefit to cover any future claim within the same policy years. Rs.500/- each year towards expenses incurred in any preventive health measures such as doctor’s consultation, pharmacy expenses or diagnostic tests.

Under the No Claim Bonus, enhancement of 5 % on sum insured for each claim free year up to a maximum extent of 50%. Rewards point program based on the premium paid and enrollment on other to Online Wellness Programs. Rewards point can be accrued for 2 years and later on redeemed either to avail discount on 3rd premium paid or else Health Maintenance benefits. For the global traveler, World Wide emergency cover for all kind of medical assistance when the person is away from home . Free look up period of 15 days from the receipt of the plan details to review the terms and conditions of this policy and cancel if one feel so.

Health Check up facility available for insured above 18 years once every 3 years. Option for Voluntary Co-pay available with the plan, however cannot be combined with Voluntary Deductible scheme. Add on cover available for critical illness for individuals aged between 18 to 65 years.

Cigna TTK Critical Illness Insurance Plan

The Cigna TTK Lifestyle Protection–Critical Care is a customized insurance plan to reassure the financial assistance in the times of medical exigency for critical diseases .

The key Features of this plan are

Hassle –free access to over 10, 00,000 quality hospitals worldwide.

Disbursement of the entire Sum Insured on first diagnosis of 30 major Critical Illnesses and procedures. Available for Individual and family basis as well to cover self, spouse, dependent parents and dependent parents in laws in addition to dependent children, dependent grandchildren and dependent siblings up to the age of 25 years Additional 10 % discount on the premium amount for enrolling more than 2 family members under a single policy. Apart from this , startling discount of 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy 90 days waiting period from the policy inception date to make any claim in case if diagnosis of critical illness Available for age group of 18 to 65 years

Advantage of medical second opinion and any expense related to it .

State of the art online wellness program for its customers.

Available in two variant to choose from (a) Basic plan to cover 15 Critical Illnesses (b) Enhanced plan to cover 30 Critical Illnesses with enhanced sum insured payout structure.

Flexibility to choose an annual premium installment for 2 and 3 years policy.

Multiple options for terms as per requirement 1, 2 or 3 years policy period A grace period of 30 days for renewal of a single premium policy from the date of expiry. Income tax rebate benefits under the section u/s 80D as per IT Act 1961 for premium paid towards this policy Staggering Sum Insured amount up to Rs 3 Crores to cover all possible critical illness ailment in any unforeseen situations. Benefit Of Cigna TTK Critical Illness Insurance Plan Coverage.

The basic plan covers below mentioned critical illness cases Cancer of specific severity First Heart Attack – of Specific Severity Open Chest CAB Open Heart Replacement or Repair of Heart Valves Coma of Specified Severity Kidney Failure Requiring Regular Dialysis Stroke Resulting in Permanent Symptoms Major Organ / Bone Marrow Transplant Permanent Paralysis of Limbs Motor Neurone Disease with Permanent Symptoms Multiple Sclerosis with Persisting Symptoms Primary Pulmonary Hypertension Aorta Graft Surgery Loss of Hearing Loss of Sight