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Cigna TTK Health Insurance Claims Procedure

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Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

Responsiveness

Cigna TTK has become a household name when it comes to being a medical insurance provider. Not only does it have a wide range of hospitals in its network and provide great cover it also has a very hassle free claim process to make it one of the most popular and competitive insurance providers in the market. The claims are mainly cashless claims and reimbursements claims. Cashless claims involve both emergency visits and planned visits wherein Cigna TTK settles the bill directly with the hospital and reimbursement claims, it reimburses the money spent on hospitalization expenses by the patient or the policyholder. Cigna TTK has a huge network of hospitals that provide for cashless claim facilities . The process to apply for a claim are discussed below.

Incurred Claim ratio of Cigna TTK Insurance:

Before moving onto the process, it behoves one to know the ICR of Cigna TTK. ICR stands for Incurred Claim Ratio and differs from Claim Settlement ratio. ICR is the Incurred claim ratio which is the overall amount or value of claims paid by the company divided by the total sum of premiums collected by that company for a specified period. The ICR is not indicative of time taken to settle a claim. The valuable ICR data is published by the IRDA on a yearly basis and the below table highlights the Incurred Claim ratio of Cigna TTK for the year 2014-15 and 2015-16

For 2015-16:

Net Earned Premium (in lakhs INR) Net Claims Paid (in lakhs INR) Incurred Claims Ratio (Percentage)
7096 5582 78.66

For 2014-15:

Net earned premium (in lakhs) Net claims paid (in lakhs) Incurred claims ratio
667 429 64.33%

Even though the net earned premium and net claims paid numbers are lower than other insurance providers the ICR of Cigna TTK is in a good position and shows that the insurance products from Cigna TTK are high quality products that are favoured by customers.

Claim procedure:

With Cigna TTK Insurance, the claims procedure varies for cashless claims and reimbursement claims. The procedure for cashless and reimbursements are mentioned below.

Cashless Claim:

In cashless claim, as the name suggests, the patient or policyholder is not required to pay the main hospital bill as Cigna TTK will settle the bill with the hospital directly. They may still however need to pay for other charges not covered by the health insurance policy.

Cashless Claims Procedure for Emergency Admission:

Emergency hospital visits are seldom planned and can cause enough worry without adding financial burden to the equation. During the time of admission, the patient should check if the hospital falls in the cashless claim network. If so, then the below procedure needs to be followed:

  • Intimate Cigna TTK of the emergency hospital admission within 48 hours by calling on the toll free number which is 1800-102-4462. Reach out to the hospital insurance help desk and provide key details such as Cigna TTK health card and valid photo ID. The hospital should then fill in the details of the cashless claim and send it over to Cigna TTK along with details of medical history, an estimated cost and the line of treatment to be provided. This claim needs to be certified by the attending doctor. Cigna TTK may request for additional documents as and when necessary
  • Along with the submitted documents, Cigna TTK may require additional supporting documents. The claim will be reviewed upon receipt of the required documents and if approved, the hospital bill will be paid by Cigna TTK. There may be some additional expenses that may not be covered by the insurance policy. In such cases, the expenses will have to be borne by the patient or policyholder.
  • If for any particular reason a claim is not approved by Cigna TTK then the bills and other expenses need to be borne by the patient and a request for reimbursement can be filed. Rejection of a cashless claim does not void a reimbursement claim. In cases of rejection, a rejection letter stating the reasons for rejection will be issued.

Cashless Claims Procedure for Planned Admission:

If the patient or policyholder plans on admitting themselves for a particular treatment in a hospital that is on the cashless claim network then they need to follow the below procedure for claiming the cashless facility

  • Firstly they need to select the hospital they plan to admit themselves into from the cashless claim network
  • Then they must intimate Cigna TTK about the admission at least 3 days prior to admission by calling the toll free number 1800-102-4462
  • The cashless request form must then be filled in by the patient or policyholder and faxed to Cigna TTK along with other relevant details such as photo id and the Cigna TTK Health Card. The hospital insurance help desk will then forward the insurance claim along with the necessary medical documents and a certificate from the attending doctor.
  • Cigna TTK will then review the submitted documents and in some cases request for further documents. Upon the receipt of all required documents, Cigna TTK will review the documents and approve the claim. If the claim is rejected for some reason, the rejection letter stating the reasons of rejection will be issued to the policyholder. In such cases, the policyholder will have to pay for the hospital expenses and file for a reimbursement claim

Reimbursement of Treatment Expenses:

Certain times, the cashless claim may be rejected for a variety of reasons. Lack of documents or the hospital the patient is being admitted into not falling in the cashless claim network are the primary reasons for rejection of cashless claims. In such cases, the hospital expenses need to be borne by the policyholder and they can then file a claim for reimbursement of expenses incurred. Patients or policyholders need to follow the below procedure to make reimbursement claims.

  • Firstly the sooner one intimates Cigna TK of the admission or treatment, the better the chances are of successful reimbursement. Claim intimations can be done by calling on the toll free number which is 1800-102-4462
  • Patients or policyholders must provide key information such as policy numbers while making intimations along with details of their health card
  • The claim form can be downloaded from the website which is cignattkinsurance.in or use the claim form provided in the policy packet or can collect the form from their nearest Cigna TTK Branch.
  • The claim form needs to be duly filled in along with the necessary documents such as original bills, discharge summaries, prescription receipts and investigative reports and mailed or faxed to the Cigna TTK Branch.

Documents Required:

Documents required while applying for reimbursement claims are as follows

  • The duly filled claim form along with the certificate from the attending doctor
  • Discharge summary along with other related documents such as the original hospital bills, pre and post hospitalization reports including investigative reports, results and their receipts and their corresponding receipts for prescriptions purchased outside the hospital, prescriptions notes from the attending doctor and other documents as mentioned in the claim form

Claims Process:

  • The claim processing team review the documents submitted. If there is a need for additional documents, the same will be requested by Cigna TTK and upon their receipt the claims will be assessed
  • The claims if approved will be paid by Cigna TTK to the policyholder either through a cheque or DD or through online transfer of funds.

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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 Claims Procedure Reviews

Page 1 of 7 1 2 3 4 5
  • 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? 0
    , 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
  • Cigna TTK Health Insurance
    "Good Service"
    0.5 3.0/5 "Satisfactory"
    I've a health insurance provided by the Employer from the Cigna TTK . I do not have any claim experience , Company is paying the premium. It offers an annually coverage of 2 lacs for me and 1 lac for my wife and 50000 for my children. So far it has been a smooth experience and I'll have to wait and see how they respond to my claim in future.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 20, 2018
  • Cigna TTK Health Insurance
    "CHEATERS FRAUDS"
    0.5 0.5/5 "Unacceptable"
    CIGNATTK is scam and fraud company I have taken the policy in Jan 2016 where in one person who is insured did not have diabetes back then however ended up with diabetes by the year end. after paying three premiums and no claims for two years we were advised by Dr to take ANGIO and we applied for cashless. The team bluntly rejected stating that patient had diabetes for 4 years wherein all the documents submitted did not have any reference of the same. I have asked them to provide the document showing 4 years however they disconnected the calls. CUSTOMER SERVICE ONLY KNOWS HOW TO DISCONNECT CALLS WORST CIGNATTK I WANTED TO PORT BUT THE OTHER INSURANCE COMPANIES ASKED TO WAIT AND HENCE ENDED UP PAYING MONEY FROM MY POCKET WORST EXPEREIENCE WITH CIGNATTK
    Was this review helpful? 2
    , hyderabad
    Reviewed on Jun 07, 2018
  • Cigna TTK Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have my health insured with Cigna TTK from last 2-3 years, i am not aware of the premium amount as my company pays the premium. I have a family coverage of Rs 7 lakhs for this insurance policy. I have no claim experience so far from this insurance policy.
    Was this review helpful? 0
    , chennai
    Reviewed on May 20, 2018
  • Cigna TTK Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have the health insurance policy from the CIGNA TTK HEALTH INSURANCE company and I got this policy around a year ago. This policy covers 3members in my family. I get the medical coverage amount of Rs,3,00,000 from this policy and I never got any claim from CIGNA TTK HEALTH INSURANCE policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 18, 2018
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