Health Insurance Claim Process - Cigna TTK

In an age of growing uncertainties, the world needs health insurance more than ever. There has been a lot of talk about how the insurance market is not being to fulfill the customer’s needs and that the customers are becoming more and dissatisfied with the service of the insurance providers. 

In this kind of a market, it is very difficult to thrive without having anything special to offer. Fortunately for the customers, the Cigna TTK Health Insurance Company understand this very well. Therefore it provides one of the best health care facilities in the market.

This article will shed some light on the claim process of the Cigna TTK, and also discuss it portfolio.

The Cigna TTK Portfolio: 

1) Cigna TTK ProHealth Insurance Plan

2) Cigna TTK LifeStyle Protection for accidental care Plan

3) Cigna TTK ProHealth Cash Plan

4) Cigna TTK ProHealth Select Plan

5) Cigna TTK ProHealth Plus Protect

6) Cigna TTK ProHealth Preferred Plan

7) Cigna TTK ProHealth Premier Plan

8) Cigna TTK Proactive Living Plan

Benefits of Choosing Cigna TTK HealthCare Plans: 

The Cigna TTK Healthcare Company provides a wide range of plans for its customers. In doing so, the Cigna TTK health insurance firm allows its customers to have lots of choices to choose from, thereby giving the insurance holders a wide range of options. All of these plans are well laid out and they are financed by a decent amount of money. The Cigna TTK provides insurance across a wide range of contingencies such as Inpatient, Daycare, Pre and Post hospitalization assistance along with Domiciliary Cover and Donor benefits. 

The company also believes in restoring the insured sum of money also known as the SI (Sum Insured) and also provides cumulative bonus benefits with the help of Smart non-reducing bonus plans.  There is an optional cumulative bonus booster that will function on a non-reducing basis. 

Related : Cigna TTK Health Insurance Plans - Compare and Buy Online Policy

This also allows adding more to the policy every year there is no claim being made. Customers of Cigna TTK Health Insurance have the option to go for removal of room rent limits along with sub-limits for disease specific treatments. The firm has been noted to provide healthy rewards as an extra add on benefit when you sign-up for the Proactive Living program.  

Claim Process for the Cigna TTK Health Insurance: 

Steps to Be Taken 

STEP 1: 

Informing Officials

When you are claiming an insurance policy benefit from the Cigna TTK Health Insurance firm, you should first start with contacting the free help line. It is usually recommended that you contact the firm at least 3 days in advance before claiming the policy benefits. This will allow the Cigna TTK health professionals to work with you and walk you through the entire process. In case there is an emergency, this rule is much more relaxed and you can contact the office within 48 hours of the contingency. 

STEP 2: 

Identification

When you will be arriving at the network hospital you will be expected to provide proper identification with all the necessary documents. You must present your Cigna TTK Health Card along with copies of your photo ID in order for you to avail your insurance claims. Then the hospital will be verifying your identity after which they would be getting in touch with the Cigna TTK Health Insurance Company in order to proceed with the hospitalization process. You can download your health card online from the Cigna TTK website. 

STEP 3: 

Request Forms

After proper verifications have been done, the hospital will decide to contact Cigna TTK as stated in the point above. There will be a preauthorization form that will be sent by the authorized hospital that would have details of the patient’s medical history, the kind of treatment that is necessary and also the estimated treatment costs. 

STEP 4: 

Contact with the Hospital

Once the form has been received by Cigna TTK, the company will process the claims applicable. Firstly, the information that has been provided by the hospital will be verified and only if the information is sufficient enough for Cigna TTK, it will process the claims. If there is some information missing, that has not been provided, the company will get in touch with the network hospital in order to understand the requirements better. 

STEP 5: 

Claims Service Associate

If a claim has been made and everything checks out fine, a service associate from the Cigna TTK Company will be getting in touch with you to complete all necessary formalities including paper works and forms whenever necessary. 

STEP 6: 

Discharge Procedure

When it would be time for discharge the hospital would be providing a final request of authorization for any kind of extra amount to be paid along with the final hospital bill. When there is a final authorization letter from Cigna TTK, you will be discharged. 

STEP 7: 

Payments Made

Once the hospitalization process is completed, the hospital will provide Cigna TTK with a list of original documents. The claim will then be assessed and the final payment will be made. 

It is of no doubt that by making such a clear and transparent claim process, Cigna TTK deserves all the awards it has won. If you are looking for an insurance policy that would cater to your personal needs, Cigna TTK is certainly worth a try. 

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Cigna TTK Health Insurance Plans - Know the Plans & Benefits

The Cigna Corporation became functional in the year of 2014, in the month of February. It was only when the Cigna Corporation merged with the TTK group in order to form the Cigna TTK Firm. Cigna has its head office located in Mumbai and it overseas operations from there.

Over the years, the health insurance industry has been noticed to come up with several insurance providers. Cigna TTK Corporation is one of those few companies that have shown promise in their services and products. This article will focus on the kind of services that are being offered by the firm and the benefits available with it.

Let us take a look at the Cigna TTK Health Insurance portfolio which will show us the kind of products and services being offered.

Cigna TTK Health Insurance Plans Portfolio:

• Cigna TTK ProHealth Protect Plan

This plan is has a minimum entry age of 91 days and it does not have any barriers to the maximum entry age. The amount of money being covered by this plan is ranging from Rs.2.5 to 3.5 Lakhs, sometimes stretching up to Rs. 4.5 lakhs. 

Benefits of the plan: 

The Cigna TTK ProHealth Protect Plan provides assurance of reinstatement of the sum. When the claims made by the customer deplete the sum assured, there is a top up amount that is provided. This will be an additional sum and it will be used to meet any further claims. It can be used to cover up to 100 percent of the expenses. The Cigna TTK ProHealth Protect Plan also provides critical illness consultations that are done by experts. 

• Cigna TTK ProHealth Plus Protect Plan: 

This plan is an upgraded version of the Cigna TTK ProHealth Protect Plan and provides some add on benefits to the already existing Cigna TTK ProHealth Protect Plan. The Cigna TTK ProHealth Plus Protect Plan has a minimum entry age of 91 days and does not have caps on the maximum entry age. The sum insured in this policy is a little more than the Cigna TTK ProHealth Protect Plan i.e. ranging from Rs.4.5 lakhs to Rs.10 lakhs. 

You may like to read : Seven Critical Factors to Compare Various Health Plans in India

Benefits of the plan: 

The Cigna TTK ProHealth Plus Protect Plan also assures reinstatement of the sum. It also provides a surplus amount of money when the assured sum has been depleted and can range up to 100 percent of the original amount. The additional sum expenses cannot however be utilized to cover the expenses which have already been claimed. The plan provides health consultation support and diagnostic test costs up to Rs. 2,000 per annum.

• Cigna TTK ProHealth Preferred Plan: 

The Cigna TTK ProHealth Preferred Plan is a higher ranged plan and it insures amounts starting from Rs.15 to 30 Lakhs. Just like the other two plans, it also has a minimum entry age of 91 days and there is no maximum limit set to it. Reinstatement of the sum is assured and the policy states that in case the preferred sum depletes, there will be an additional amount of money that will be issued to make up for it. This however will not cover expenses that have already been claimed. 

Benefits of the plan: 

The Cigna TTK ProHealth Preferred Plan allows its customers to have a consultant at their disposal in case of critical illnesses. The Cigna TTK ProHealth Preferred Plan allows the insurance holders to reimburse diagnostic and health tests worth Rs.15, 000.

• Cigna TTK ProHealth Premier Plan: 

This plan is the beginner plan for high net worth individuals and has a minimum entry age of 91 days. The sum insured in the Cigna TTK ProHealth Premier Plan starts from Rs. 1 crore. There is a medical screening that is necessary for this plan and cannot be skipped. The policy period is usually for 1 to 2 years.  

Benefits of the plan: 

The Cigna TTK ProHealth Premier Plan has been rated on the top plans by policy bazaar reviews. In this plan, if you are an early bird and you have decided to fill in your premium amounts well in advance then the Cigna TTK ProHealth Premier Plan will reward you by giving you some award points. You will be able to redeem these points in a promotional discount offer.

The Cigna TTK Health Insurance Plans are one of the best in the market. Very high policy bazaar reviews only reinforce that statement. If you are looking some of the best health plans, you must check out the Cigna TTK Health Insurance Plans. However, it is always advisable to consult a financial advisor before you embark on any kind of financial commitments. The right kind of health insurance when made with the right strategy, could save you and your family’s life one day in the future. 

For more details check ​PolicyBazaar Customer Reviews & Ratings

Seven Critical Factors to Compare Various Health Plans in India

Buying health insurance?

Getting confused?  

Don’t worry, we have got you covered. 

We can understand the problems that you’re facing in selecting the best medical insurance plan. At times, various insurance options available in the market make things really difficult for individuals. Since health insurance caters to your health, you shouldn’t take any risk with it. Try medical insurance option offered by Cigna TTK health insurance, they have formulated insurance plans to fulfill various insurance needs of it insurance buyers.  

Here are some seven important things that you must factor in at the time of purchasing a medical insurance policy. When comparing health plans, consider these points. 

1. Age limit

As we grow old, we get more exposed to the risks of falling sick. It is crucial to opt for the maximum age limit. It’s important that a medical plan offers its continuous coverage after you cross 65 years of age. In that age group, it is exhausting to purchase a fresh health insurance plan.

In case you wish to opt for a family floater plan and include your parents in the plan, it’s recommended select plans that come with lifetime renewability.

2. Network Listed Hospitals

Insurance providers offer cashless hospitalization in the event you get admitted to any network listed hospitals. Before buying a health plan, it’s absolute necessity check if any of the premiere network listed hospitals are there in your vicinity. 

In the event of a planned hospitalization, the distance of hospital doesn’t matter but it does matter in case of a medical urgency. 

3. Waiting Periods

Isn’t waiting is a super boring task? Nobody wants to wait to get the insurance benefits of a medical insurance policy. We don’t have any choice since health insurance plans come with a waiting period.  Waiting period prohibits you to file any claim as per your insurance plan. Waiting period depends on insurance provider to the insurance provider. 

4. Sub-limits

It means an insured person get coverage for the hospitalization bills up to a pre-decided limit. The policyholder has to bear the amount exceeding this limit. Save yourself from unpleasant surprises at the time of filing a claim by going through the sub-limit clause insurance plan. 

5. Day Care Procedures

Thanks to technological development, a patient can undergo a medical procedure and get discharged in a couple of hours. This type of treatment is daycare treatment. Different insurers provide coverage for different daycare treatments. Make sure you check it out. .

6. Add-on Features

Today, healthcare costs are sky high. It’s a necessity to go above and beyond the basic insurance coverage. You can opt for the insurance plan that offers various add-ons to enhance the umbrella of your medical insurance coverage.

7. Exclusions

Whatever your insurance provider doesn’t include in your insurance coverage becomes the exclusion. 

There are particular health conditions that aren’t covered by various health insurers. Read the policy wordings carefully at the time of comparing various health insurance plans. Make sure your medical condition (if any) isn’t excluded. 

For more details check ​PolicyBazaar Customer Reviews

Understanding Cigna Health Insurance

Despite maintaining a healthy lifestyle, we are exposed to many health risks. Owing to the medical inflation each year, sparing a small amount from our regular expenses and invest in health insurance becomes crucial. But with the undue amount of insurance plans in India, choosing the adequate policy for you and your family is an arduous task. However, the onus of making a farm decision, through exploring the market and choosing the best health insurance, is always on you. When it comes to health insurance, among the leading plans available in India, Cigna Health Insurance is worth mentioning. Before digging into its various health insurance plans, let’s have a glance on company’s background!

U.S. based worldwide health services provider, Cigna Corporation and Indian conglomerate, TTK Group had joined hands to create Cigna TTK Health Insurance Company Ltd. It started its operations in February 2014 after receiving the regulatory license from IRDA in the year 2013. This partnership was expected to bring innovative revolutions in the field of health insurance with a proactive customer service to the Indian financial market. Having its head office in Mumbai, it manages the services in 11 other cities across the country.

Health Insurance Plans by Cigna TTK     

• ·         ProHealth Protect Policy
• ·         ProHealth Preferred Policy
• ·         ProHealth Accumulate Policy
• ·         ProHealth Premier Policy
• ·         ProHealth Plus Policy
• ·         Lifestyle Protection - Accident Care Policy
• ·         Lifestyle Protection - Critical Care Policy

Cities Where Network Hospitals are Available

• ·         Delhi
• ·         Mumbai
• ·         Kolkata
• ·         Bangalore
• ·         Chennai

Plan Name	Sum Assured	Entry Age	Pre and Post Hospitalisation
ProHealth Protect Policy	Rs. 2.5/Rs. 3.5/Rs. 4.5	Minimum age eligibility is 91 days. No maximum age limit	Pre and post-hospitalisation costs are covered up to 60 days
ProHealth Preferred Policy	One can choose the sum assured between Rs. 15 lakh/30 lakh/50 lakh	Minimum age eligibility is 91 days. No maximum age limit	Pre-hospitalisation costs are covered up t o 60days while post hospitalisation benefits are offered for 180 days
ProHealth Premier Policy	Rs. 1 crore	Minimum age eligibility is 91 days. No maximum age limit	Pre-hospitalisation costs are covered up to 60 days while post hospitalisation benefits are offered for 180 days
ProHealth Plus Policy	Rs. 4.5 lakh/Rs. 5.5 lakh/Rs. 7.5 lakh	Minimum age eligibility is 91 days. No maximum age limit	Pre-hospitalisation costs are covered up t o 60days while post hospitalisation benefits are offered for 180 days
Lifestyle Protection - Accident Care Policy	Rs. 3 cr.	Minimum entry age is 18 years and the maximum is 80 years. Children can be added from the age of  5 years, up to the maximum age of 25 years.	NA
Lifestyle Protection - Critical Care Policy	Sum assured are offered to a limit of 3 cr.	Minimum age eligibility is  18 years and maximum is 65 years	NA

 Features of Cigna Health Insurance Plans

• ·         The health insurance plans of Cigna offers lifelong renewability and you will be covered for an entire lifetime.
• ·         To cover any pre-existing disease, you’ll have to serve for 4 continuous years.
• ·         Plans are designed to cover  critical Illnesses and a global emergency cover is offered
• ·         Plans also provide reimbursement of Rs.500/- every year to cover outpatient costs such as doctor’s consultation fee
• ·         NCB discount for every claim-free year

You may like to read : Save Medical Expenses Using Only Cigna Health Insurances

Cigna TTK with its affordable plans makes the health care easily accessible to the common people. Most of its plans promote personal health management. These plans are designed by keeping the potential proposer’s profile in mind. With the health insurance offered by Cigna, you can keep your stress at bay as they cover different situations. However, we suggest you compare the policies on various aggregator sites available online!

Cigna International Health Insurance Plans

Cigna Health Insurance plans are designed to meet needs of you and your family with comprehensive core covers along with the flexibility of additional modules so as to help customers benefit immensely from the plans. The company offers support for well being of customers with a varied range of international products. One thumb up to Cigna Health Insurance as the company gives you the scope to build your own plan by following a few procedures. 

Step 1: Start by determining your core plan- Silver, Gold and Platinum 

Step 2: Boost your plan protection with the various optional modules such as International Outpatient, International Health and Wellbeing, International Dental and Vision and International Medical Evacuation. 

Step 3: Talk to an expert who can guide you through the step-by-step processes to choose the best policy online. 

What are the different Cigna Health Insurance plans available?

• Core cover- The Core Cover three types of essential that include Silver, Gold and Platinum. These policies are aimed towards covering for inpatient, accommodation costs and day case surgery. Plus, there are essential coverage provided for mental health care and cancer. On the other hand, Gold and Platinum plans offer coverage for inpatient and daypatient maternity care. 

• International Outpatient cover- This offers coverage for medical emergency and outpatient care that may erupt in situations when any hospital admission as inpatient or daypatient is not necessary. In addition to these, the cover also includes prescribed outpatient dressings and drugs, medical and specialist practitioners, pre-natal outpatient care and post-natal outpatient care, chiropractic, osteopathy, physiotherapy, etc. 

• International Medical Insurance- This type of insurance provides essential coverage for day patient, inpatient and accommodation costs along with coverage for mental health care, cancer, etc. The Platinum and Gold plans under the policy extend coverage for daypatient and inpatient maternity care. 

• International Vision and Dental- This health insurance policy helps to reimburse for the beneficiary’s eye examination and reimburse for the costs of lenses and spectacles. The policy offers coverage for routine, preventive, and other mental treatments. 

• International Health and Wellbeing- This type of health insurance policy provides coverage for examinations, tests, screening and counselling and also supports a great range of life crisis. Under the policy, customers are offered specially tailored support and advice through health risk assessment, online health education, etc. 

• International Medical Evacuation- Under the health insurance policy, it provides coverage for the transportation costs that is incurred for taking a trip to the nearest medical centre in case the treatment required at the time is not available within your locality. The policy includes repatriation coverage, enabling the beneficiary to their country of nationality or habitual residence so as to be treated in a familiar location. The health insurance policy includes compassionate visits for partner, parents, siblings, child visit post any accident or any kind of sudden illness. Also, the beneficiary is entitled to receive the coverage if he has not been repatriated or evacuated. 

You may like to read : Cashless Hospital Network List of Cigna ttk Health Insurance

Go through the Cigna International Health Insurance plans and then buy the one that meet your demands.