• Cigna TTK Health Insurance Claims Procedure

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    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.

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    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 6 1 2 3 4 5
    • Cigna TTK Health Insurance
      "Best service"
      0.5 4.0/5 "Great!"
      I have taken Heath Insurance with CIGNA TTK.I pay premium amount of 25,000 every year,i get a policy coverage of 5.50 lakhs.I pay a payment through online.I have claim experience with them they had covered 80% and i paid a minimum amount.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 24, 2018
    • Cigna TTK Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      I have a health insurance with Cigna Ttk from last 2 years and it is a group insurance. It is one of the good insurance policy to use. I am not aware of the premium amount and it gets auto deducted from the salary. The claim experience was very good and they covered 40% and i have taken a cashless treatment. I am happy with the services provided by Cigna.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Cigna TTK Health Insurance
      "Good Protection for Family"
      0.5 4.0/5 "Great!"
      Cigma TTK gave me some Pro plus health insurance, they were covering every thing, and it gives cover for critical diseases and they have cashless facility they got tie almost many hospital. I got medical cover of Rs.5.5 lakhs includes my spouse, I paid the premium around Rs. 11,200 on yearly basis.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 21, 2017
    • 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
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