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
|
None
|
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.
Read This : Cigna Health Insurance Plans
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