Eligibility age

Min – 91 days for children and 18 years for adults

Max – Lifetime renewal policy, no maximum age

Basis

Individual and Family

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

Same as the cover offered, ranging from INR 15 lakhs to INR 50 lakhs

Policy term

1 year or 2 years

Renewability

Lifetime renewability option

Cover offered

Could be either INR 15 lakhs, INR 30 lakhs or INR 50 lakhs

Discount

Family package discount as per 10% of premium for more than 3 members

Benefits

• Single private room
• Pre-hospitalisation covers up to 60 days’ expenses
• Post-hospitalisation covers up to 180 days’ expenses
• Day care and domiciliary treatment covered up to sum insured
• Actual ambulance expenses covered
• Worldwide emergency cover up to INR 10 lakhs
• Restoration of Sum Insured every year
• INR 15000 Health Maintenance Benefit per policy year
• INR 50000 to INR 100000 for maternity expenses
• New born baby expenses covered as well as the first year vaccinations expenses

Medical Tests

Medical tests are mandatory before every renewal of the policy

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