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Cigna TTK Health Insurance

Cigna TTK Health Insurance plans offer customers a number of benefits and discounts. The company customers flexible premium payments, cashless facilities and access to a wide hospital network.
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Cigna TTK 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 Highlights Updated on 19 Mar 2019

Features Specifications
Network Hospitals 4000+
Waiting Period for Pre-existing Disease 4 years
Incurred Claims Ratio 46.29
Number of Policies Issued 176695
Grievances Solved 99.58%
Renewability Lifetime

*For Year 2017-2018

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

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 Health Insurance Customer Care:

Established in 2014, Cigna TTK Health Insurance is one of India’s few standalone health insurance provider which started as a joint venture between the Cigna Corporation, USA and the TTK Group from India. While being relatively new to the health insurance sector, the company has carved a name for itself in the health insurance sector.

To cater to the needs of their customers, Cigna TTK has established a well-distributed network of branches where customers can reach out to get their policy-related queries resolved. These branches are located in all major Indian cities like Delhi, Mumbai, Bangalore, Chennai, Hyderabad, Cochin, Kolkata, Jaipur, Ahmedabad, etc.

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 Cigna TTK 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.

Incurred Claims Ratio of Cigna TTK Health Insurance for the Year 2017-18

Net Earned Premium (in Crore) Net Claims Paid (in Crore) Incurred Claims Ratio (in %)
Rs.266.14 crore Rs.123.20 crore 46.29%

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.


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News About Cigna TTK Health Insurance

  • Launch of ProHealth insurance from Cigna TTK

    Cigna TTK Health Insurance has launched the ‘CignaTTK ProHealth Insurance’ product that is designed to offer 360 degree health insurance coverage with additional features. The product combines health insurance coverage with wellness packages to help people have better control of their healthcare costs.

    The ProHealth insurance plan from Cigna TTK provides 5 different insurance schemes to cater to varying customer demographics. The hospitalisation cover starts from Rs.2.5 lakh; the upper limit on sum assured is Rs.1 crore as well. A significant benefit offered by the insurance plan is the Guaranteed Cumulative Bonus that increases the health insurance coverage by 5%-10% of the sum assured on an annual basis. This benefit is offered irrespective of the claims raised under the policy. The Cumulative Bonus can be accrued up to 200% of the sum assured under the plan.

    Another key feature of the policy is the unlimited sum assured restoration facility. The policyholder also receives Increased Healthy Reward points that can go up to 20% of the premium. The coverage offered by the plan is for 546 day care procedures, in-patient treatments, and AYUSH therapies.

    22 November 2018

  • 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.

    11 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.

    28 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.

    11 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.

    7 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.

    30 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.

    20 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.

    21 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).

    20 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.

    30 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.

Cigna TTK Health Insurance Reviews

Page 1 of 8 1 2 3 4 5
  • Cigna TTK Health Insurance
    "Should be beneficial "
    0.5 3.0/5 "Satisfactory"
    Cigna TTK has very inconvenient website, even the medical card hard to download. I am not happy with their technology, I don't have any claim experience, but still there is no develop. The medical cover around Rs. 6 lakhs for entire family. Its not upto the mark interms of benefits as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 16, 2019
  • Cigna TTK Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I am holding the health insurance policy of CIGNA TTK HEALTH INSURANCE it is my corporate insurance policy. the customer service is very good i had a claim once it was cashless also they gives the family coverage with this policy. Medical coverage is nominal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 10, 2019
  • Cigna TTK Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I am holding my health insurance with Cigna TTK health insurance, they have tie up with many hospital and they have shared me the location, and the premium amount they have charged me on yearly basis, and i use to pay premium on line,i had an claim experience it was good, and the cash less treatment option is available.
    Was this review helpful? 1
    , mumbai
    Reviewed on Feb 02, 2019
  • Cigna TTK Health Insurance
    "Cheap premium in the market"
    0.5 4.0/5 "Great!"
    I have purchased my health insurance from Cigna TTK. Due to the network of more hospital i have selected this company. They have given me a very good coverage of Rs. 5.5 lakhs. I used to pay the premium of Rs. 16000. I took this policy for my entire family.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 24, 2019
  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 1
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Good for Claim settlement"
    0.5 4.0/5 "Great!"
    The mediclaim value is good around Rs. 3 lakhs for me and for my mother and spouse Rs. 2 lakhs they got tie up with many hospitals, the policy generation is good. This year I used the policy for my wife pregnancy done surgery, cost around Rs 2 lakhs, they gave me 90% of the reimbursement.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 22, 2018
  • Cigna TTK Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my health insurance with Cigna TT health insurance, there premium amount they have charged me was nominal, they have charged me premium on yearly basis, and they have tie up with many hospital, and they have shared me location, i pay premium through on line.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 20, 2018
  • Cigna TTK Health Insurance
    " Good insurer for medical policy"
    0.5 5.0/5 "Blown Away!"
    The features of TTK cigna is good, the policy generation duration is also less. They gave me Rs. 4.5 lakhs of medical cover and they got tie up with major hospital in my place and they gave me the medical card and the broucher. They have pre existing and cash less hospitals features too.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 20, 2018
  • Cigna TTK Health Insurance
    "Better Policy"
    0.5 5.0/5 "Blown Away!"
    4 months before, i have purchased the health insurance policy with Cigna TTK. My mother has covered by this policy. They have given me a coverage value of Rs. 2.5 lakhs. I pay the premium amount of Rs. 14000. The hospital list was good. I have not claimed anything by using this health insurance.
    Was this review helpful? 0
    , rewa
    Reviewed on Dec 04, 2018
  • Cigna TTK Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with CIGNA TTK from last 3 years, a premium of Rs 28000 has to be paid for this insurance policy every year. I had a good claim experience 7-8 months back and it was a cashless treatment, they covered 90%. Total coverage value for family is Rs 5 lacs per individual.
    Was this review helpful? 1
    , chennai
    Reviewed on Nov 29, 2018
  • Cigna TTK Health Insurance
    "Best service"
    0.5 4.5/5 "Excellent!"
    I have been using my health insurance with Cigna TTK health insurance, i have just been a year ago i have applied this insurance , and there agent had explain me about the policy of this insurance and they have tie up with many hospital and i use to pay premium up to 8,000 it is nominal for me and it is yearly basis, till now i have not use policy yet.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 28, 2018
  • Cigna TTK Health Insurance
    "Average"
    0.5 4.0/5 "Great!"
    I have chosen Health insurance with Cigna TTK. They provided me a cashless facility and reimbursement for my doctor bills. I have taken the policy for my entire family. I pay yearly 10K as a premium through ECS. The claim experience is excellent and the reimbursement was immediate. The policy coverage for me is 5L and rest of family members is 3L. They have more network of hospitals but they pay more attention on the medical bills.
    Was this review helpful? 1
    , thane
    Reviewed on Nov 15, 2018
  • Cigna TTK Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    Previously I had a health insurance with Cigna TTK and now moved to new insurer. They provide a cashless treatment in good hospitalization. I have not gone for claim process. The medical coverage is good and don't know about the cashless. I paid around Rs.5500 for a one year.
    Was this review helpful? 0
    , thane
    Reviewed on Nov 12, 2018
  • Cigna TTK Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I got health insurance from Cigna TTK insurance through my company , The premium amount is been paid through my company . This policy covers Cashless hospitalization. Pre diseases coverage . Overall am satisfied with policy coverage and policy benefits .
    Was this review helpful? 0
    , chennai
    Reviewed on Nov 10, 2018
  • Cigna TTK Health Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I am using the health insurance policy with CIGNA TTK HEALTH INSURANCE from last few years. I have no claim also the premium is nominal which is 12k the coverage is for self. Medical coverage is for 2.5laks only for self coverage. It is a good policy to use.
    Was this review helpful? 1
    , vadodara
    Reviewed on Oct 23, 2018
  • Cigna TTK Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I have taken Health insurance cigna Ttk Health insurance . Am satisfied with the premium amount which am making . This policy covers Cashless hospitalization and pre disease coverage , This is yearly coverage policy where is i have to make the payment annually . They have given the list of network of hospitals. Their customer representative explained the policy very well.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Oct 09, 2018
  • Cigna TTK Health Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with CIGNA TTK from last 2 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 12000 for this insurance policy. I have no claim experience so far with this insurance and the coverage value of Rs 4.5 lacs.
    Was this review helpful? 2
    , bangalore
    Reviewed on Sep 12, 2018
  • Cigna TTK Health Insurance
    "Worst fraud company "
    0.5 0.5/5 "Unacceptable"
    IT professional pls dnt buy this policy it's total waste and you will end up losing ur money at the end of the day. Cash less payment it's all fake. You will end up paying extra amount in hospital. If u say cashless treatment pls do not buy this insurance.
    Was this review helpful? 2
    , bangalore
    Reviewed on Sep 01, 2018
  • Cigna TTK Health Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I've a health Insurance policy from the Cigna TTK insurance company. I am paying a premium of 15 000 yearly, This policy is for the entire family, me, Wife and children. I do not have claim experience. The features are good for the premium I pay. So far it has been a good experience with the policy.
    Was this review helpful? 2
    , kolkata
    Reviewed on Jul 26, 2018
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