You need health cover regardless of what you take two at a time - pills or stairs.
You need health cover regardless of what you take two at a time - pills or stairs.
  • CignaTTK Health Insurance

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    CignaTTK Health Insurance Company Limited is a joint venture between the U.S. based global health services leader, Cigna Corporation and Indian conglomerate, TTK Group. The company has received the regulatory license from IRDA in November 2013 and launched its operations in February 2014.Cigna Corporation, a fortune 500 company is the first US Health Insurance player to set foot in the country. Cigna?s partnership with the TTK Group, will bring in innovative suite of health insurance products along with an enhanced customer service experience to the Indian market.


    Cigna TTK Health Insurance at a Glance

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    Coverage for your most loved ones

    Total members covered

    Coverage for a maximum of 4 family members with up to 2 adults and 2 children

    You get a choice of coverage tenure

    Pre and Post Hospitalization cover

    Medical expenses covered for 60 days before your hospitalization and 90 days for post hospitalization for related medical expenses

    The next best thing to having a doc in the family

    Health Check-ups

    A comprehensive health check-up for all insured persons above 18 years once every 3 years.

    * For a family health cover product.

    Critical Factors of the Plan

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    Not a paisa goes from your own pocket!

    Co-Pay

    No copay

    You?re covered for any future medical expenses

    Life long renewable

    Plans are lifelong renewable and covers you for your entire lifetime.

    Get essential cover for existing ailments

    Pre-existing Diseases

    Any pre-existing condition will be covered after a waiting period of 4 year

    Hospital room rent determines your treatment bill

    Room Rent

    No cap on room rent

    *These Features may be included as part of different products and are subject to the insurer's terms & conditions.

    Additional Features of Cigna TTK Health Insurance

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    Good health offers multiple rewards

    bonus coverage for 'No Claims',

    The world is your healthcare oyster

    Critical Illnesses and a Worldwide Emergency Cover.

    So you have time to focus on more important stuff

    We provide reimbursement of Rs.500/- each year to cover out-patient expenses such as doctor?s consultation

    *These add-ons may be included as part of different products and are subject to the insurer's terms & conditions.

    Cigna TTK Health Insurance Highlights Updated on 17 Dec 2017

    Features Specifications
    Network Hospitals 4000+
    Waiting Period for Pre-existing Disease 4 years
    Incurred Claims Ratio 78.66%
    Number of Policies Issued 66589
    Grievances Solved 98.22%
    Renewability Lifetime

    *For Year 2015-2016

    Overview

    Cigna TTK Health Insurance Plans

    Co. Ltd. became operational in February 2014. It was formed when Cigna Corporation and TTK Group came together to create an insurance provider focused solely on health assurance products. Cigna TTK’s head office is based in Mumbai, from where it manages its business in over 11 cities in India.

    The company is a mix of the global experience of Cigna Corporation and the domestic knowledge of the TTK Group. The outcome is the development of a number of innovative policies, supported by strong customer service. To this end, the company invests in top technologies to strengthen its operations.

    Cigna Corporation, a Fortune 500 business entity, was the first insurer from the US to enter Indian markets. The TTK Group has earned a strong reputation, in India, for its successful management of multiple businesses in differing segments.

    Cigna TTK makes healthcare more accessible to people by making it affordable. It does this through its many plans that promote personal health management. These health insurance policies are developed based on an understanding of a potential proposer’s profile. They provide coverage at different levels and for different situations.

    The following health insurance plans offered by Cigna TTK cover both individuals and their families. The features, benefits, coverage and important terms and conditions of each policy are tabulated/outlined below.

    Types of Health Insurance Policies Provided by Cigna TTK Health Insurance:

    Policies forming a part of the company’s health insurance plans portfolio are listed below:

    1. Cigna TTK Prohealth Protect Plan
    2. Cigna TTK ProHealth Plus Plan
    3. Cigna TTK ProHealth Preferred Plan
    4. Cigna TTK ProHealth Premier Plan
    5. Cigna TTK Lifestyle Protection - Critical Care Plan
    6. Cigna TTK Lifestyle Protection - Accident Care Plan
    7. Cigna TTK ProHealth Accumulate Plan

    Why Compare Cigna TTK Health Insurance Plans on BankBazaar?

    Cigna TTK ProHealth Protect Plan:

    Eligibility Coverage Features/Benefits
    Minimum Entry Age - 91 days. Maximum Entry Age – None Sum Insured - Rs.2.5 lakhs or Rs.3.5 lakhs or Rs.4.5 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
    Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses.
    Medical screening - Depends on age and chosen sum assured. - Mandatory for insured persons aged 46 years and above. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.500 p.a. reimbursed.
      Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 5% to 50% depending on the number of consecutive claim-free years.
      In-Patient Hospitalization - Room on sharing basis. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits.
      Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
      Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days Comprehensive Health Checks - For insured members aged 18 years and above. - Every 3 years.
      Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 90 days. Voluntary Deductible Option (depending on sum insured) - Amount paid by the insured. - Rs.1 lakh or Rs 2 lakhs. - On all admissible claims.
      Day Care Procedures (limited to the sum insured) - Hospitalization less than 24 hours. Voluntary Co-Payment Option - Alternative to voluntary deductible. - 10% to 20% of the claim paid by the insured.
      Domiciliary Care i.e. treatment at home (limited to the sum insured). Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only.
      Ambulance Charges - Up to Rs.2,000 per hospitalization.  
      Donor costs (limited to the sum insured) - Hospitalization expenses of donor.  
      Pre-Existing Diseases - Upon completion of 48 months of the policy since inception.  
      Global Cover (limited to sum insured) - Medical emergencies abroad. - Reimbursement basis.  
      Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.  

    Cigna TTK ProHealth Plus Plan:

    Eligibility Coverage Features/Benefits
    Minimum Entry Age - 91 days. Maximum Entry Age - None. Sum Insured - Rs.4.5 lakhs or Rs.5.5 lakhs or Rs.7.5 lakhs or Rs.10 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
    Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses
    Medical screening - Depends on age and chosen sum assured. - Mandatory for insured persons aged 46 years and above, for chosen sum assured amounts of Rs.4.5 lakhs, Rs.5.5 lakhs and Rs.7.5 lakhs. - Mandatory for insured persons aged 41 years and above, for chosen sum assured amount of Rs.10 lakhs. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.2,000 p.a. reimbursed.
      Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 10% to 50% depending on the number of consecutive claim-free years.
      In-Patient Hospitalization - Single, private room. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits..
      Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
      Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days. Comprehensive Health Checks - For insured members aged 18 years and above. - Upon policy renewal.
      Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 180 days. Voluntary Deductible Option (depending on sum insured) - Amount paid by the insured - Rs.1 lakh or Rs. 2 lakhs or Rs.3 lakhs. - On all admissible claims.
    Day Care Procedures (limited to the sum insured). - Hospitalization less than 24 hours. Voluntary Co-Payment Option - Alternative to voluntary deductible. - 10% to 20% of the claim paid by the insured.  
      Domiciliary Care i.e. treatment at home (limited to the sum insured). Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only.
      Ambulance Charges - Up to Rs.3,000 per hospitalization.  
      Maternity Expenses - Upon completion of 48 months of the policy period (reduced to 24 months on payment of additional premium). - Up to Rs.15,000 for normal delivery. - Up to Rs.25,000 for C-section.  
      New-Born Expenses - Hospitalisation expenses. limited to coverage equivalent to maternity expenses. - First year vaccinations according to the National Immunization Program.  
      Donor costs (limited to the sum insured) - Hospitalization expenses of donor.  
      Pre-Existing Diseases - Upon completion of 36 months of the policy period.  
      Global Cover (limited to sum insured) - Medical emergencies abroad. - Reimbursement basis.  
      Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.  

    Cigna TTK ProHealth Preferred Plan:

    Eligibility Coverage Features/Benefits
    Minimum Entry Age - 91 days. Maximum Entry Age - None. Sum Insured - Rs.15 lakhs or Rs.30 lakhs or Rs.50 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
    Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses
    Medical screening - Mandatory for all entrants. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.15,000 p.a. reimbursed.
      Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 10% to 50% depending on the number of consecutive claim-free years.
      In-Patient Hospitalization - Single, private room. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits..
      Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
      Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days. Comprehensive Health Checks - For insured members aged 18 years and above. - Upon policy renewal.
      Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 180 days. Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only..
      Day Care Procedures (limited to the sum insured). - Hospitalization less than 24 hours.  
      Domiciliary Care i.e. treatment at home (limited to the sum insured).  
      Ambulance Charges - -As per actuals, per hospitalization.  
      Maternity Expenses - Upon completion of 48 months of the policy period (reduced to 24 months on payment of additional premium). - Up to Rs.50,000 for normal delivery. - Up to Rs.1 lakh for C-section.  
      New-Born Expenses - Hospitalisation expenses. limited to coverage equivalent to maternity expenses. - First year vaccinations according to the National Immunization Program.  
      Donor costs (limited to the sum insured) - Hospitalization expenses of donor.  
      Pre-Existing Diseases - Upon completion of 24 months of the policy period.  
      Global Cover - Medical emergencies abroad. - Up to Rs. 10 lakhs - Reimbursement basis.  
      Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.  

    Cigna TTK ProHealth Premier Plan:

    Eligibility Coverage Features/Benefits
    Minimum Entry Age - 91 days. Maximum Entry Age - None. Sum Insured - Rs.1 crore i.e.Rs.100 lakhs. Reinstatement of sum assured - When claims made deplete the sum assured, a top-up amount will be provided, as additional sum assured, to meet further claims. - Up to 100% of original amount. - Additional sum assured cannot be used to cover expenses already claimed.
    Renewal Age Limit: None. Premiums (calculated based on following factors) - Age, Lifestyle, Gender, Zone i.e. Location and Chosen Sum Assured. Critical Illness Consultation - Expert pre-operative medical guidance for specific illnesses
    Medical screening - Mandatory for all entrants. Policy Period - 1 year or 2 years. Health Maintenance Support - Consultation fees, pharmaceutical costs, diagnostic tests. - Up to Rs.15,000 p.a. reimbursed.
      Basis - Individual and Family Floater. No-Claim Bonus (NCB) or Cumulative Bonus - Increase in sum assured. - 10% to 50% depending on the number of consecutive claim-free years.
      In-Patient Hospitalization - Single, private room. Reward Points - For prompt premium payments; awarded every year up to 2 years or for enrollment into Online Wellness Program. - Rewards redeemable for either premium discounts in subsequent years or Health Maintenance Benefits..
      Hospitalization expenses (limited to the sum insured) - Surgeon fees, charges for nursing, OT charges, costs of anaesthesia, blood, oxygen, surgical equipment, medicines, drugs and consumables. Free Look Period - For policy cancellation with refund of premiums paid (adjusted). - 15 days from policy receipt.
      Pre-Hospitalization Expenses - Doctor’s Fees, Pharmaceutical Costs, Diagnostic Tests etc. - Up to 60 days. Comprehensive Health Checks - For insured members aged 18 years and above. - Upon policy renewal.
      Post-Hospitalization Expenses - Consultation Fees, Diagnostic Tests, Pharmaceutical Costs etc. - Up to 180 days. Family Premium Discount - 10% for more than 2 members covered. - Applicable on individual basis only..
      Day Care Procedures (limited to the sum insured). - Hospitalization less than 24 hours.  
      Domiciliary Care i.e. treatment at home (limited to the sum insured).  
      Ambulance Charges - -As per actuals, per hospitalization.  
      Maternity Expenses - Upon completion of 48 months of the policy period (reduced to 24 months on payment of additional premium). - Up to Rs.50,000 for normal delivery. - Up to Rs.1 lakh for C-section.  
      New-Born Expenses - Hospitalisation expenses. limited to coverage equivalent to maternity expenses. - First year vaccinations according to the National Immunization Program.  
      Donor costs (limited to the sum insured) - Hospitalization expenses of donor.  
      Pre-Existing Diseases - Upon completion of 24 months of the policy period.  
      Global Cover - Medical emergencies abroad. - Up to Rs. 10 lakhs - Reimbursement basis.  
      Add-On Critical Illness Cover - For specific illnesses. - Eligibility age: Between 18 to 65 years. - Sum insured paid out as lumpsum upon diagnosis. - Reinstatement of cover allowed for plan taken on family floater basis for member who did not make a claim.  

    Lifestyle Protection - Critical Care Plan:

    Eligibility Coverage Features/Benefits
    Minimum Age - 18 Years Maximum Age - 65 Years Sum Insured
    • 10 times annual income
    • For non earning family members 60% of earning members cover
    • For dependants 30% of earning members cover
    • All assured sums are subject to a limit of Rs. 3 Crore
    Online Wellness Program
    • Health Risk Assessment
    • Lifestyle Management Programs
    • Nutrition Programs
    Renewal Age Limit: None Premiums: Calculated based on sum insured, plan, age, lifestyle, gender and health status Second opinion for diagnosis of covered critical illness
    Medical Screening - Requirement decided based on age, medical history and sum assured Policy Period - 1 year, 2 years or 3 years Tax benefits for Premiums
    • As applicable under section 80D
    • Premiums paid in cash not eligible
      Basis - Individual & family floater Free Look Period
    • 15 days from receipt of policy document
    • If no claims are made then premium will be refunded subject to deductions
      Policy Cancellation
    • Can be done anytime
    • Refund of premium on short period basis
    Comprehensive Health Checks
      Waiting Period - 90 days from the start of the policy for diagnosis of critical illness Grace Period - 30 days from expiry for single premium policies
      Revival Period - For instalment premium policy, 15 days 10% discount on premiums when more than 2 family members are included
      Critical Illness Covered
    • Basic plan, 15 illnesses covered
    • Enhanced plan, 30 illnesses covered
    7.5% discount on premiums for policy with duration 2 years
        10% discount on premiums for policy with duration 3 years

    Lifestyle Protection - Accident Care Plan:

    Eligibility Coverage Features/Benefits
    • For Adults:
      1. Minimum Age - 18 Years
      2. Maximum Age - 80 Years
    • For Children:
      1. Minimum Age - 5 Years
      2. Maximum Age - 25 Years
    Sum Insured
    • 100% of sum assured if death occurs due to accident
    • 200% of sum assured if death occurs due to accident in a common carrier for which the person has paid fare
    • All assured sums are subject to a limit of Rs. 3 Crore
    • BROKEN BONES BENEFIT
    • BURNS BENEFIT
    • COMA BENEFIT
    • EDUCATION FUND
    • EMERGENCY AMBULANCE COVER
    • FUNERAL EXPENSES
    • LOSS OF EMPLOYMENT
    • ORPHAN BENEFIT
    • PERMANENT PARTIAL DISABLEMENT
    • PERMANENT TOTAL DISABLEMENT
    • TEMPORARY TOTAL DISABLEMENT
    Renewal Age Limit: None Premiums: Determined based on sum insured, plan, age, lifestyle, gender and health status Free look period, 15 days from receipt of policy document
    Persons between 70-80 years of age are accepted based on their medical screening test Policy Period - 1 year, 2 years or 3 years Tax benefits for Premiums As applicable under section 80D Premiums paid in cash are not eligible for tax exemption
      Basis - Individual & family floater Portability Option Available - Port your existing personal accident policy to Cigna Lifestyle Protection Accident Care Policy provided your current insurer is a non-life insurer and your policy is registered under the Indian Health Retail policy
      Waiting Period - 90 days from the start of the policy for symptoms of critical illness to surface Policy Cancellation request can be placed at any time of the policy period. Refund of premimums is done at a very short notice
      Revival Period - For instalment premium policy, 15 days Grace Period - 30 days from expiry for single premium policies
        Claims Pay-out Options
    • In a lump sum or
    • Staggered pay-out
        Three kinds of cover options
    • Basic Cover - Death, Ambulance and Funeral Expenses
    • Enhanced Cover - Death, Ambulance and Funeral, Education, Permanent Total Disability Expenses
    • Comprehensive Cover - Along with the above mentioned benefits coverage of Loss of emplyment, Orphan Benefit and Permanent Partial Disability is also covered
    • Optional Covers - To cover temporary permanent disability, Burns benefit, broken bones benefit, coma benefit
         

    Cigna TTK ProHealth Accumulate Plan:

    Cigna TTK offers the ProHealth Accumulate Plan which is a unique policy that combines a health insurance policy with savings. Protect yourself against expensive medical care, critical illnesses, day care, domiciliary treatment, ambulance expenses and more. While you take care of current health care expenses, you can build up a fund to ensure you can afford future health care. Every year, on the unutilized insurance value, the health maintenance benefit kicks in giving you a bonus of 5%. This plan is designed to take care of the present and the future designed on the lines of the rising medical costs.

    Features and Benefits:

    • Get the best of both worlds of protection and savings with a health care plan that allows to protect yourself now and in the future.
    • Protect yourself against the most important expenses associated with illnesses, injuries, and diseases that require hospitalization, home care or day care.
    • Coverage will span over pre-existing illnesses after a 48-month period of continuous coverage under this plan.
    • Grow your insurance cover with the Health Maintenance Benefit and Cumulative Bonus for no claims.
    • Be rewarded for staying healthy. Earn 1% of your annual premium valued at Rs.1 per reward point.
    • Be covered anywhere in the world with emergency cover for medical expenses incurred abroad.
    • Get a free look period of 15 days and cancel the policy if you are not happy.
    • Get income tax deductions for the premium paid towards this policy under Section 80D of the Income Tax Act, 1961.

    Cigna TTK Cashless Network Hospitals:

    For cashless hospitalisation, it is advisable to check the list of network hospitals of the insurer before admission. Cigna TTK offers cashless facility at over 4,000 network hospitals across the country. To locate a network hospital nearest you, select your state and city from the drop-down box on the online Network Hospital Locator tool. You will get a list of network hospitals in your area with contact details.

    Find cashless network hospitals nearby: Cigna TTK Cashless Network Hospitals

    How to File a Claim with Cigna TTK?

    Any number of claims can be made in a policy year but it is subject to the sum insured limit.

    • Cashless Claim: Visit a network hospital of Cigna TTK to avail cashless treatment. In the case of a planned hospitalisation, to avail cashless facility at a network hospital, intimate the insurer 3 days prior to admission. For unplanned hospitalisation, intimate the insurer within 48 hours of admission. Display your CignaTTK health card and a photo ID at the hospital desk. The hospital will verify your identity details and submit a duly-filled and signed pre-authorisation request form to the insurer. After verification of the pre-authorisation request, the insurer will send an approval letter to the hospital, after which the cashless treatment will be begin. The insurer will settle the hospital bills directly with the hospital. The pre-authorisation request will be approved within 90 minutes of receiving the documents.
    • Reimbursement Claim: In the case of reimbursement claims, submit the claim form with the necessary medical documents within 15 days of your discharge from the hospital. The claim form along with the supporting medical documents can be submitted at the nearest Cigna TTK branch office or the head office. The status of your claim will be intimated to you via email or SMS. Or, you can contact your health advisor or health relationship manager at Cigna TTK to get an update of your claim status. The claim will be settled within 5 to 30 working days of receipt of the claim documents. The claim amount will be sent to the insured member through EFT, cheque or DD.

    Cigna TTK Health Insurance FAQs:

    1. How does the claim settlement process work?
    2. Customers can avail cashless treatments at more than 4000 network hospitals of Cigna TTK throughout India. Cashless claims are carried out at network hospitals 90 minutes after submission of requisite documents to the company. The final amount is intimated at the end of treatment. The non-payable amounts will be deducted and have to be paid by the customer. Alternatively, the insured may pay the amount upfront to the hospital, and claim reimbursements once they are discharged. In this case, a cheque will be sent accordingly.

    3. How many times can I claim health insurance benefits in a year?
    4. There are no limits on number of claims, but the sum insured isn’t changeable, and the cover will cease to exist once you have exhausted all the funds therein.

    5. How long does it generally take to process claims?
    6. Claims will be settled or rejected at least 5 days after receiving the last relevant documents, and not more than 30 days thereafter.

    7. What happens if I can’t submit claim forms within the stipulated time?
    8. All the relevant documents should be submitted within the pre-defined timelines. However, in case of delays, the company shall consider cases if the customers provide satisfactory explanations on the delay. Otherwise, claims are not liable to be fulfilled.

    9. What do you mean by Health Insurance Benefit from Cigna TTK?
    10. This entitles customers to request for reimbursements incurred during diagnostic tests, drugs, medical aids, dental treatments, prosthetics, and alternative medications.

    11. What do you mean by Annual Check Up?
    12. Insured individuals can claim comprehensive health expenses at any of the network hospitals of Cigna TTK, if all the eligibility criteria are met. The check-ups are organized by the company.

      • Protect plans provide full health check-up after every 3 years.
      • Premier, Preferred, and Plus customers can avail check-ups every year.
      • What if my cashless hospitalization expenses are more than my insured amount?

        In such cases, the network hospital will ask for increase in authorization limit, including circumstances that led to that scenario. The enhancement in funding will then be done at the sole discretion of the company.

    13. What are the formalities to be completed when my treatment costs exceed the sum insured?
    14. When getting discharged:

      • The network hospital may provide authorization request for additional funds required, if any.
      • On receipt of this letter, the hospital will then discharge the customer.
    15. Can you elaborate on Worldwide Emergency Cover?
    16. Medical expenses that are incurred by the insured outside India are also covered by Cigna TTK, if:

      • The treatment can be categorized as emergency, and it is imperative to get treatment immediately. Reimbursements are covered according to Section II.I in the World Emergency Cover policy.
      • The resultant treatment pertains to inpatient hospitalization.
      • Reimbursements are paid out in Indian Rupees, and are available up to the insured amount.
      • The claims are based on the currency rate of exchange applicable on the day of payment of hospital bills. These rates are published by the Reserve Bank of India.

    Examples of Network Hospitals in Major Cities:

    CITY NAME OF HOSPITAL
    DELHI Aastha Hospital
    MUMBAI Aarogyam Multispeciality Hospital
    KOLKATA All Asia Medical Institute (A Unit Of Harsh Medical Centre Pvt Ltd).
    BANGALORE Abhilash Hospital & Sara Rehabilitation Centre
    CHENNAI A A Hospital

    *Disclaimer - This is not an exhaustive list but an indicative representation of hospitals that form a part of the company's wider network.


    News About Cigna TTK Health Insurance

    • Cigna 360° Well-being Survey Reports a Low Perception of ‘Old Age’ in India

      A recent survey, Cigna 360° Well-being, conducted by Cigna TTK Health Insurance determined that most Indians prefer to pay for their own healthcare rather than avail any kind of health insurance plan. The survey report also confirmed that in 2016 62% of Indians, spent a huge sum of their income covering their own medical costs.

      The report also stated that most of the Indians prefer working even during their retirement years to stay physically and mentally fit rather than for monetary benefits. The survey also reported that 85% of Indians have availed insurance from private insurance firms while 15% of the population is yet to avail any insurance scheme at all.

      11th December 2017

    • Manipal Group to buy out TTK's stake in Cigna TTK Health Insurance

      The standalone health insurance company, Cigna TTK has filed a request with the Insurance Regulatory and Development Authority of India (IRDAI) for a change in its partnership from TTK Group to Manipal Group. Cigna is raising its stake from 26% to 49% in the joint venture. Cigna TTK caters to 3 lakh customers with 15 branches and presence in 6,000 locations across India. The company has recorded a 54% growth in premium income in FY2017 to Rs.222 crore. It has tie up with Saraswat Bank, Andhra Bank, Bank of Maharashtra, and Lakshmi Vilas Bank.

      Manipal Group is entering the health insurance sector after making its presence known in health care and higher education. Manipal Group will own 51% of the stake post partnership with Cigna. The company's share capital will increase to Rs.350 crore from Rs.250 crore after forging the partnership.

      28th September 2017

    • Manipal Group buys TTK’s stakes in Cigna TTK Health Insurance

      Manipal Group bought TTK's stake in Cigna TTK Health Insurance. The CEO and MD of Cigna TTK Health Insurance said that through the partnership with Manipal Group, the company will provide healthcare and complete well-being solutions to its customers. Minimum 50% increase in revenues is expected following the rising stake of Cigna Corporation in the company from 26% to 49%.

      The company will increase its presence in India by moving up to 65 locations. The agency network is expected to increase from 19,000 to 25,000 agents. The company plans to strengthen its digital capabilities and focus on online sales so that the business premium from online sales can increase from 10% to 25%. Cigna TTK also recently launched unique features called reassurance benefit and inflation shield with its innovative product called ProHealth Select.

      11th September 2017

    • Cigna TTK to hike business from direct channel to 25% from 2018

      Cigna TTK Health Insurance, the standalone health insurance company is a joint venture between Cigna and TTK Group. Cigna, the foreign joint venture partner has filed an application with the IRDA to increase its stake to 49% in the venture. Sandeep Patel, MD and CEO of Cigna TTK said that the company is looking to increase the business from direct channel from 10% to 25% in 2018. The company operates in 41 cities through agents and have presence in over 6000 locations through bancassurance in India. Cigna TTK has 5% business coming from the group segment although it is primarily a retail-focused health insurance company.

      The insurance company recently launched a one-of-its-kind health product called ProHealth Select. The 'Inflation Shield' feature of this product will automatically safeguard the policyandalone health insurance company, Cigna TTK has filed a request with the Insurance Regulatory and Development Authority of India (IRDAI) for a change in its partnership from TTK Group to Manipal Group. Cigna is raising its stake from 26% to 49% in the joint venture. Cigna TTK caters to 3 lakh customers with 15 branchholder against medical inflation regardless of claim. Medical inflation is currently said to be around 16-18%. The product also has a reassurance benefit wherein the insurance company will waive premium for 2 years of the insured suffers from a covered critical illness or permanent total disability.

      7th September 2017

    • Cigna TTK seeks IRDAI approval to increase Cigna’s stake in the joint venture from 26% to 49%

      Cigna TTK Health Insurance is a joint venture between Cigna Corporation and TTK Group. The standalone health insurance company has filed an application with the IRDAI to increase Cigna's stake from 26% to 49% in the joint venture. According to Sandeep Patel, MD and CEO of the company, this step is taken to indicate Cigna's commitment to the Indian health insurance market. The company plans to increase its distribution network, focus on product and service innovation, and improve digital capabilities. A foreign direct investment of up to 49% is permitted in an insurance company as per the Insurance Laws Act, 2015.

      30th August 2017

    • Cigna TTK reveals plans for AP and TS

      Cigna TTK has set its targets for Andhra Pradesh and Telangana State. The growth the company is expecting is 170% in this region. Cigna TTK is a leading global healthcare service provider that entered the Indian markets in 2014. A joint venture between Cigna Corporate, the U.S. based healthcare provider and the TTK Group, Cigna TTK boasts of over 200 years of experience in the insurance segment. The company is one of the fastest growing on a global scale in the health insurance sector. Now it's eyeing the regions of Andhra Pradesh and Telangana with an intention to expand its operations in India and delve deeper into the key markets. The company also plans on making use of the digital ecosystem that is promoted by the state governments of Andhra and Telangana. This will help the company boost its reach in the states.

      20th March 2017

    • Cigna TTK launches ProHealth Cash

      Cigna TTK Health Insurance launches ProHealth Cash that provides top-up, gap and base cover option to varied consumers. It also acts and a supplementary benefit tool that handles non-medical and incidental expenses such as food and travelling cost of the companion. It pays as a fixed daily benefit to an insured for each day that he has been hospitalised irrespective of the actual medical expenses incurred. The fixed benefit is payable even if the hospitalisation occurs outside India. The plan covers hospitalisation charges and offers payouts for ICU, worldwide and accidental admission.

      21st October 2015

    • Cigna TTK won ‘ET Best Promising Brands 2015’ Award

      Health insurance providers are working steadily towards building a brand value to realise their objectives. A case in point is Cigna TTK Health Insurance, which recently won the ‘ET Best Promising Brands 2015’ award.


      Cigna TTK (joint venture between U.S based health service provider, Cigna Corporation and the TTK Group, an Indian conglomerate) won the award, which was based on the results of a joint survey conducted by The Economic Times and Nielsen. The survey analyzed the company on several parameters such as brand value, innovation, consumer satisfaction and brand recall among others.


      Cigna TTK was among the top 150 promising brands shortlisted in the survey. Cigna TTK Health Insurance aims to support its customers to lead a healthy life through its ‘ProActiv Living Program’. The company also plans to focus on evolving certain rational indicators to make a tangible difference in the health parameters of its consumers.


      To further build its brand value, the company plans to sign up as the official health insurance partner for the Airtel Delhi Half Marathon (ADHM) and Standard Chartered Mumbai Marathon (SCMM).

      20th April 2015

    • First ever Mobile App for Health Insurance Distributors Launched

      The first-of-its kind mobile platform for distributors in the health insurance sector was launched by health insurance provider Cigna TTK Health Insurance on Wednesday.


      The app will track leads, generate quotes and help with the purchase of policies, all at a click of a button. Set to operate on Android Smartphones and Tabs, this app enables company brokers and agents to reach out to customers even in locations where access to the internet is limited or absent. The app will also help customers take a good look at product portfolios and get detailed information about ad campaigns. It will also allow download of product brochures.


      Managing Director and CEO of the company, Sandeep Patel, opined the company is confident that the new tool will be welcomed by its distributors. Customers will also benefit from enhanced services as the application is integrated with the company’s core systems and operational process.


      The mobile application operates in both online as well as offline modes making it convenient for distributors.

      30th March 2015

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    CignaTTK Health Insurance Reviews

  • Page 1 of 6 1 2 3 4 5
    • Cigna TTK Health Insurance
      "Good for health"
      0.5 5.0/5 "Blown Away!"
      I selected this CIGNA TTK insurance because my friend have recommend this policy to provide medical coverage for my entire family. I paid the amount around of Rs. 9900 , it has medical cover of Rs. 5 lakhs. I get the reimbursement for the hospitalization.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 18, 2017
    • Cigna TTK Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken the health insurance service with CIGNA TTK the payments where usually through online the customer service was good I have taken for four persons totally two adults and two child also they provide good offers it was a good experience with CIGNA TTK for my health insurance service.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 15, 2017
    • Cigna TTK Health Insurance
      "Good protection for family with good medical cover"
      0.5 5.0/5 "Blown Away!"
      I have chosen CIGNA TTK is because of their claim settlement ratio is around 94% its really good, they are providing good cash less facility and also they got tie up with 200 hospitals . I took the insurance for my family, my premium amount around Rs.22k with the medical cover of 4.50 lakhs its good. I would be receiving my policy copy very soon from them.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 30, 2017
    • Cigna TTK Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The service was good from MEDICLAIM TTK but they never provide any offers they are not customer oriented but the staffs of MEDICLAIM TTK was very helpful I was not needed with any documents as the process is completely taken care from my company I will say the service from MEDICLAIM TTK was good so far I never had any issue with MEDICLAIM TTK service.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 23, 2017
    • Cigna TTK Health Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have a corporate health insurance with Cigna TTK and I also have a claim experience. After submitting the bills I got the payment within 15 days. The process is quick and the medical coverage is also good and there are a lot of net work of hospitals linked.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 27, 2017
    • Cigna TTK Health Insurance
      "Health insurance"
      0.5 5.0/5 "Blown Away!"
      Health insurance was offered by CIGNA TTK. They were able to disburse 100% of the CLAIM amount. I had approached CIGNA TTK. I am very much happy with the cashless treatment and they were able to reimburse the complete funds. I got hospitalized and all I had to do was just send a text message and the entire amount was refunded in a week's time.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 22, 2017
    • Cigna TTK Health Insurance
      "Very easy process"
      0.5 4.0/5 "Great!"
      After me checking online for a health insurance. I received a call from Cigna TTK and they helped me on phone to log on to the portal and buy the policy without any hassles. It is a family floater and they offered me a good medical coverage. The premium is also economical which is paid on a yearly basis.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 19, 2017
    • Cigna TTK Health Insurance
      "Its Average"
      0.5 3.5/5 "Pretty good"
      I am a bank staff, they got a tie up with Cigna TTK, its mandatory as staff to take Health insurance with them. I pay yearly Rs.1000 it has the tenure of one year, they gave some medical cover however they have some limitation and its covers only for me.
      Was this review helpful? 0
      , rajapalayam
      Reviewed on Sep 13, 2017
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      Holding the Cigna TTK health insurance policy for past 1 year. This policy covers around 4memebers which is myself my spouse and my children. I paid Rs.16 to 17000 to renew my policy. I never had any claim experience so far. The medical coverage is good here and they have better cashless treatment options with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 02, 2017
    • Cigna TTK Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the CIGNA TTK general insurance company and the services are good one with them , also I have not faced any claims with them. Customer service is good one with them and I have not faced any issues with them till now.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 28, 2017
    • Cigna TTK Health Insurance
      "Medical coverage is good"
      0.5 4.0/5 "Great!"
      CIGNA TTK health insurance is a corporate insurance. I also have a option of paying more from my end to get a better medical coverage. The premium is of 40K on a annual basis and the coverage is of five lakhs for my family and me. There is no bonus benefit because it is corporate policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2017
    • Cigna TTK Health Insurance
      "Health insurance is too good"
      0.5 4.0/5 "Great!"
      CIGNA health insurance policy is good, I am using this insurance for about 4 to 5 years. I normally pay a premium of 11k and the primary benefits being the normal insurance plan of 2+2 coverage and I dont have any claim experience till date...
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 07, 2017
    • Cigna TTK Health Insurance
      "Pathetic "
      0.5 0.5/5 "Unacceptable"
      I had taken a health policy with OPD coverage from them. On submission of OPD claim they had asked time for verification which goes for more than a month and then they will simply send a mail late in evening 7:30 PM that the claim has been rejected, giving some hypothetical reasons. Now when and if you call them they have no clue themselves for the reason provided for rejection and hence they would seek more time to justify their answer which again goes for over a month and they obviously have the final say. They are cheaters only small claims are processed and rest are queued for rejection
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 04, 2017
    • Cigna TTK Health Insurance
      "Excellent and worthy insurance"
      0.5 5.0/5 "Blown Away!"
      This health insurance was really good and my company offered me this insurance. I had to undergo a surgery, it was 3 hours surgery, after the surgery , within 4 hours of time. I got the claim, which is really great and appreciable. Overall I would like to recommend this health insurance company to everyone. Finally, I am satisfied with the Health insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 03, 2017
    • Cigna TTK Health Insurance
      "Good policy for my family"
      0.5 5.0/5 "Blown Away!"
      I already recommended this health insurance to my friends, because it has good coverage of Rs. 5 lakhs for my entire family. I make the premium of Rs.18,000 its per annum, I used to make payment by Cheque. They got tie up with good hospital and I got family medical card using that card, we gets cash less treatment.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 05, 2017
    • Cigna TTK Health Insurance
      "Not a good experience"
      0.5 2.0/5 "Expected more"
      I do have health insurance policy with Cigna TTK general insurance company and it was started with bitter experience. Getting the policy was really tough one with them and the claim and I have not claimed with them till now, also they are not communicating the information in the clear way. Response is also very poor with them.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 03, 2017
    • Cigna TTK Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I took the corporate health insurance policy with the Cigna TTK health insurance policy and the services are better with them , which I have heard. I have not met up with any claims but I have heard it from my friends like they have got the claims settlement immediately. Coverage value is around four lakh Rupees from my end.
      Was this review helpful? 0
      , hubli
      Reviewed on Mar 18, 2017
    • Cigna TTK Health Insurance
      "Worst customer service"
      0.5 1.0/5 "Really Bad"
      I have been following up since jul last year to add my infant but they are giving me run arrounds, still awating there email quotations. Every time i call them they have an excuse and said to wait for the email, why cant they calculate d amount over the phone. I ll switch to different company now.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 07, 2017
    • Cigna TTK Health Insurance
      "Document and Claim Related query"
      0.5 1.5/5 "Bad"
      Hello, I bought a cigna ttk policy. on may 10 2016 . But my policy start date is may 30. 2016. Above is document and policy issue complaint. Again a file claim in july 16 but my claim statement in 75 days after mail from U.S head office. Because I many email and call in India office but no any one give me proper answer. so I send US head office a mail after send mail my claim settle in 10 days. Indian office worker is very poor service. Thanks Satyapal Yadav
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 12, 2017
    • Cigna TTK Health Insurance
      "International company"
      0.5 4.0/5 "Great!"
      CIGNA TTK medical insurance is a good company. I had got a lot of options and I like the service. The reason for taking this was because this CIGNA TTK has got channel partner and they explain the product features and i found the policies procedures much better when compared with the previous company therefore I switched over
      Was this review helpful? 1
      , warangal
      Reviewed on Nov 11, 2016
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