Wednesday, 21 December 2016

Why Cigna Health Insurance Plans is the one you should go for?

Life is unpredictable. With the fast growing world, our concern of health for near and dear ones are growing along with it.

While there are so many insurance policies available in the market, there are so many aspects to look for as well. As for the simplicity, here we present an honest Cigna TTK Health Insurance review and then the decision is yours.

Here is the history of the company

Cigna TTK health Insurance Company Limited is the joint venture of Cigna and TTK group incorporated in 2012. Within no time the insurance company grew like anything giving best Cigna TTK Health Insurance reviews.

Recently they launched Lifestyle Protection Product Suite which includes Critical care and Accidental care. Cigna TTK Health Insurance Reviews state that its claim settlement ratio for the year 2014-15 has been 64.33% topping the list of standalone insurers.

You can easily get the quote online or by Cigna TTK health insurance brochure to find related doctors and other details.

Let’s skim through its most popular plans

Plan Name
Minimum Age
Maximum Age
Sum Ensured
Policy period
ProHealth Protect Plan
91 days
INR 2,50,000-INR 4,50,000
2-3 years(flexible)
Lifestyle Protection
Adult: 18 years
Children:5 years
Adult: 80 years
Children: 25 years
INR 3,00,00,000
2-3 years(flexible)
Lifestyle Protection-Critical Care
18 years
65 years
INR 3,00,000
2-3 years(flexible)

Features and fore deals

Like any other insurance company, it also provides insurance on individual or family floater basis. Total members covered in family floater are four including two adults (spouse, dependent parents, dependent parents in law) and two children (dependent children or dependent grandchildren).

There are further different plans including Critical Illness Insurance, International Health Insurance, Pro-Health cash, etc.

Plans are available for life-long which makes it more efficient. Unlike any other, it also bears funeral expenses.

A bonus is provided for No-claims every year. There is a provision of covering critical illness and worldwide emergency.

Inclusions in the plans
  • ·         Pre-hospitalization costs are taken care of for 60 days before admission to hospital.
  • ·         Post-hospitalization costs are taken care of for 90 days after the discharge.
  • ·         The pre-existing diseases are ensured after waiting a period of 4 years.
  • ·         Also, they provide reimbursement of INR 500 every year to bear the doctor’s consultation charge
  • ·         Hassle free treatment to around 10, 00,000 hospitals all around the globe.
  • ·         An online wellness program called State of the art for all its policyholders.

Exclusions made from the existing plans
  • ·         Psychological disorder or psychiatric care
  • ·         AIDS
  • ·         Genetic disorder
  • ·         Injury caused due to attempt of suicide
  • ·         Drug abuse or use of toxic substances
  • ·         Loss because of childbirth or pregnancy

Claim process is as easy as the enrollment process

Not only does it provide a large network of hospitals under Cigna TTK health insurance hospital list but also the claim process is tussle free.

It has both the option of cashless claims and reimbursement claims.

In any way, company settles the bill of policyholder directly to the hospital, either be it planned hospitalization or emergency.

The process to apply for claim process can be obtained by signing up at Cigna TTK health insurance log in page in the website. Every policyholder has an account on the customer portal to manage their accounts.

Documents required for applying reimbursements

You have to carry the filled claim form along with signatures from concerned authorities at the hospital.

Other valid documents such as discharge summary, relevant reports, receipts, and prescription have to be attached with the claim form.

The claim processing review committee shall verify each of them and if approved will directly pay to the concerned person through cash or demand draft by the company.

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