A policy that allows one to avail medical facilities as and when required without having to be bothered about the bills that are incurred outside of hospitalisation. Apart from basic medical bills, maternity expenses are also covered and the plan allows for daily cash benefit on medical expenses.The cash benefit provided by this policy is helpful in reducing the financial burden that might be incurred on a recurring monthly basis. This is an individual policy with a policy term of 1 year.
Features of Cigna TTK ProHealth Cash Plan:
ProHealth Cash has two kinds of plans, the Basic version and the Enhanced version. The features of these plans are listed below -
Basic Plan:
|
Eligibility age |
Entry ages – 91 days at least, 65 years at most |
|
Basis |
Individual |
|
Premium |
Premium amounts are decided as per the tier of the city the person belongs to, the results of the medical tests and are dependent on the discretion of Cigna TTK |
|
Sum assured |
Could be as low as INR 500 to as high as INR 5000 |
|
Policy term |
1 year |
|
Renewability |
Renewable every year subject to age limits |
|
Cover offered |
Covers up to 60 days, 90 days or 180 days cash benefit every year |
|
Benefits |
|
|
Medical Tests |
For a sum insured of INR 500 to INR 3000 –
For a sum insured of INR 3500 to INR 5000 –
|
|
General Exclusions |
Waiting period exclusions - Pre-existing disease - 24/36/48 months respectively as per the plan opted Initial waiting period – 30 days from the date of inception of policy For specific ailments – 24 months Maternity – 48 months and 24 months if reduction in waiting period opted Critical Illness - 30 days from the date inception of policy Permanent exclusions - Genetic disorders Dental treatment, dentures or surgery Circumcision AIDS/HIV Mental illnesses |
Enhanced Plan:
|
Eligibility age |
Entry ages – 91 days at least, 65 years at most |
|
Basis |
Individual |
|
Premium |
Premium amounts are decided as per the tier of the city the person belongs to, the results of the medical tests and are dependent on the discretion of Cigna TTK |
|
Sum assured |
Could be as low as INR 500 to as high as INR 5000 |
|
Policy term |
1 year |
|
Renewability |
Renewable every year subject to age limits |
|
Cover offered |
Covers up to 60 days, 90 days or 180 days cash benefit every year |
|
Benefits |
|
|
Medical Tests |
For a sum insured of INR 500 to INR 3000 –
For a sum insured of INR 3500 to INR 5000 –
|
|
General Exclusions |
Waiting period exclusions - Pre-existing disease - 24/36/48 months respectively as per the plan opted Initial waiting period – 30 days from the date of inception of policy For specific ailments – 24 months Maternity – 48 months and 24 months if reduction in waiting period opted Critical Illness - 30 days from the date inception of policy Permanent exclusions - Genetic disorders Dental treatment, dentures or surgery Circumcision AIDS/HIV Mental illnesses |
Apart from the above features and benefits, the optional covers available under this policy are –
- Day Care Treatment Benefit
- Accidental Death & Permanent Total Disability Cover
- Critical Illness Add-on Cover
The minimum and maximum entry ages for Accidental Death & Permanent Total Disability Cover are 5 years and 65 years respectively. For the other optional covers, the minimum and maximum entry ages are 91 days and 65 years respectively. The cover is extended for either 60 days, 90 days or 180 days per year.
*The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.
Also Read: How to File a Claim with Cigna TTK?
