In today’s uncertain life, anyone can be prone to any disease anytime. With lifestyle-related disease on the rise which results in expensive hospitalization treatment, having a health insurance is not a support product anymore but have now become an essential part in financial planning. The right health insurance acts as an investment where one can be sure of quality healthcare treatment without the need of compromising their long-term financial goals. Based on your medical profile, genetic history and income level, you can select right health insurance from CignaTTK ProHealth Select for you and your family which we are going to discuss below.
About CignaTTK ProHealth Select Plan
Cigna TTK is a well-known health insurance company in India that offers several customized health insurance plans as per individual need. Cigna TTK ProHealth Select plan offers coverage which can match your health insurance needs. It has a wide network of hospitals, so in most of the cases, you can avail cashless treatment in case of illness. Apart from regular in-patient hospitalization expenses, it also covers day care treatment and donor expenses. The plan comes with unique ‘AYUSH’ cover, that cover your expenses of treatment through Ayurvedic, Unani, homeotherapy, Siddha and Yoga. This cover is a very important feature because nowadays after regular treatment, Ayurvedic and allied treatment is equally necessary and sometimes, expenses for the same are as high as a regular treatment. You can avail the insurance plan with a sum insured range of INR 50,000 to INR 25 Lacs.
Types of CignaTTK ProHealth Select Plan
CignaTTK ProHealth insurance is of two types:
| Type | Sum Insured |
| CignaTTK ProHealth Select Plan A | INR 0.5, 1, 2, 3, 4, 5, 7, 10, 15, 20, 25 Lacs |
| CignaTTK ProHealth Select Plan B | INR 2, 3, 4, 5, 7, 10, 15, 20, 25 Lacs |
Eligibility Criteria
| Criteria | Description |
| Minimum Entry Age | 91 Days for children, 18 Years for adults |
| Maximum Entry Age | No Limits applicable |
| Renewal Age | Can be renewable for a lifetime |
| Policy Tenure | Can be renewed for 1/2/3 years in one go. |
| Family Meaning (Individual Health Plan) | Self, Spouse, Dependent children and parents, Siblings, Grand Parents, Grand Children, Parents in Law, Son in Law, Daughter in Law |
| Family Meaning (Family Health Plan) | Self, Spouse, Dependent parents and children. Maximum two adults and three dependent children can be covered. |
| Sum Insured | INR 0.5 Lacs to INR 25 Lacs depending on the plan |
| Premium Criteria | Based on Age, Gender, Location, Sum Insured, Location |
Features of CignaTTK ProHealth Insurance
- Option for removal of room rent limit, so you can avail One Special Room per day of hospitalization with additional premium.
- You can avail the option to increase the sum insured every year by 5% in case there is no claim in a previous
- Participate in wellness program of the CignaTTK to remain healthy. Moreover, you can save up to 10% premium by participating in a wellness program and earning rewards.
- You can avail for voluntary co-payment and get discount in premium payment.
- If the insured enrol more than two members of their family under, they will be eligible for the 10% discount on the premium amount
- If one chooses two or three single premium policy, S/he will be elgible for 7.5% and 10% respectively.
- Along with other benefits, one can claim tax deductions 80D for premiums paid towards the policy. For the premiums paid in cash, tax benefit shall not be applicable.
- Free look period is provided here to let insured review the policy
What this plan includes
- Within limits of sum insured, the plan covers doctors’ consultation charges, nursing, operation charges, oxygen, surgical products, medicines, drugs, anesthesia, and other consumables.
- The unique AYUSH feature covers in-patient medical treatment of non-allopathic nature such as Ayurveda, naturopathy, Sidha, Yoga, Unani, and
- This plan covers daycare treatments like dialysis, radiation therapy, cataract surgery, and similar other treatments are also allowed and in such cases the condition of 24 hours hospitalization is relaxed.
- In most treatment, there may be need of an emergency ambulance — the expenses of up to Rs. Two thousand are allowed for such incidences.
- If the treatment needs organ harvesting, the donor’s hospitalization expenses are also covered.
- The unique feature of “Restoration of Sum Assured” protects you from the expenses of another disease, if the sum assured is used up in the first disease’s treatment.
Also Read: Cigna TTK ProHealth Group Insurance Policy
Documents Required to Claim Insurance
- Claim Form Duly Signed
- Pre-authorisation request letter and approval letter’s photocopy
- Photo ID of Patient Verified by the Hospital
- Discharge/Death Summary issued by the hospital
- Detailed bill from the hospital
- Original medical examination Reports, X-Ray, MRI, CT Films, HPE
- Doctors’ prescription and medical reference reports
- Original medicine Bills
Based on actual circumstances, CignaTTK can ask specific reports/documents if necessary.
Cases where you can’t make claim (Exclusions)
Under CignaTTK ProHealth Select plan, the insurance company is not liable to pay if the disease arises due to the following:-
- HIV/ AIDS and because of its complication
- Mental Disorder
- Suicide or drug abuse
- Pre-existing diseases are excluded for the first 48 months of the policy.No claim is admissible for first 30 days after taking policy.
- 90 days waiting period is applied for critical illness.
- Two years of the waiting period is applied for specific diseases
Also Read: Cigna TTK Lifestyle Protection Group Policy
How Long Does It Take to Payout a Claim?
Cashless Claim
Once your case is approved for the cashless claim, the insurance company directly pays to the hospital. So you don’t have to worry about paying to the hospital and availing reimbursement from CignaTTK.
Reimbursement Claim
Once you submit your claim form with necessary documents, CignaTTK processes your claim. After the due assessment, your claim is approved. As soon as the claim is approved, payment is deposited in your bank account.
Renewal Process Of CignaTTK ProHealth Select
This health insurance plan provides lifetime renewal
Benefits of Buying CignaTTK ProHealth Select Plan
- You can avail the health insurance as per your budget. At the lower side, you can take even Rs.50000 health insurance.
- You can enroll free of cost in the reward program for your wellness and discount in premium payment.
- Avail several options to configure your health insurance to suit your specific need.
Points to Consider before purchasing CignaTTK ProHealth Insurance Plan
- Never remain Underinsured
The very purpose of health insurance is to protect your financials in case of serious health issues. It is recommended to assess proper insurance amount based on your profession, age, lifestyle, genetics, and medical history. If you do not insure yourself adequately, it is almost equivalent to uninsured in case of a claim.
- Correct Declaration
The health insurance policy is based on good faith. Any pre-existing disease has a waiting period of two to four years. If you intentionally suppress the fact of any pre-existing illness, your claim can be rejected. Moreover, in serious cases, your policy can be forfeited, and no other insurance company will provide you health insurance.
- Wellness cannot be measured in money
The unique feature about CignaTTK Prohealth select is wellness program conducted. The more you participate, more rewards you can earn, resulting in a discount up to 10%. However, the real benefit of higher participation is your health and wellness, which cannot be measured in money. The discount is only incentive to keep you healthy!
|
Features |
|
| Claim Type (In-House or TPA) | TPA |
| Pre-Hospitalization | 60 Days before your hospitalization |
| Network Hospitals Count | 4500+ |
| Post-Hospitalization | Up to 90 Days after your discharge |
| Room Eligibility | Up to 4% of the sum assured with max-INR 7000 |
| Share Claim Payments | 10 or 20% of the claim |
| Restoration of cover | Yes |
| No Claim Bonus | 5% bonus for each claim |
| Ambulance Charges | INR 2000 |
| Worldwide Coverage | Up to the full sum assured on reimbursement basis |
| Maternity Cover | NA |
| Hospitalization at Home | Up to the sum assured |
| Day Care treatment | Yes |
| Non-Allelopathic Coverage | Yes |
| Emergency Ambulance | No |
| Health Check-up | Yes |
FAQs
Q1. What is the contact detail of CignaTTK for a health insurance claim?
The email id is customercare@cignattk.in, and the toll-free number is 18001024462 for connecting with CignaTTK in case of any claim related assistance is needed.
Q2. Is more than one claim allowed in a year?
The claim is processed based on the sum insured. In specific cases, the company restores sum insured to help you. Within policy terms and conditions, any number of claims are admissible.
Q3. In which circumstances “Cashless claim” is not approved?
In case of ambiguity of information regarding your illness or estimated expenses, the company does not approve the cashless claim. If the estimated treatment cost is higher than the sum insured, the company may deny cashless approval or approve the claim within a specified limit. In such a case, you need to pay the expenses and make a claim to the insurance company.