You need health cover regardless of what you take two at a time - pills or stairs.
  • Cigna TTK ProHealth Cash Insurance Plan

    Cigna TTK Health Insurance

    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

    • Sickness Hospital Cash Benefit
    • Accident Hospital Cash Benefit
    • ICU Cash Benefit
    • Worldwide Cover

    Medical Tests

    For a sum insured of INR 500 to INR 3000 –

    • No medical tests up to the age of 45 years
    • For ages of 46 years to 55 years, tests will be as per medical declarations
    • For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT

    For a sum insured of INR 3500 to INR 5000 –

    • No medical tests up to the age of 35 years
    • For ages of 36 years to 55 years, tests will be as per medical declarations
    • For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT

    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

    • Sickness Hospital Cash Benefit
    • Accident Hospital Cash Benefit
    • ICU Cash Benefit
    • Worldwide Cover
    • Convalescence Benefit
    • Companion Benefit
    • Compassionate Benefit

    Medical Tests

    For a sum insured of INR 500 to INR 3000 –

    • No medical tests up to the age of 45 years
    • For ages of 46 years to 55 years, tests will be as per medical declarations
    • For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT

    For a sum insured of INR 3500 to INR 5000 –

    • No medical tests up to the age of 35 years
    • For ages of 36 years to 55 years, tests will be as per medical declarations
    • For ages of 56 years and above, MER, ECG, Cholesterol, CBC, SGPT

    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 –

    1. Day Care Treatment Benefit
    2. Accidental Death & Permanent Total Disability Cover
    3. 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.

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