Plan Overview

Cigna TTK Pro Health Plus plan encompasses some great health insurance coverage features all packed into a single plan. Right from the Sum Assured restoration to maternity and new born coverage, OPD coverage, medical second opinion on diagnosis of critical illnesses, rewards for healthly lifestyle, the plan has all. Policyholders can reduce their premiums by up to 30% through various discount options. The plan thus combines the best of all coverage options in one and is also farily priced.

Benefits included

Hospitalization means any impatient treatment (min. 24 hrs stay) as well as the named 171 day care procedures.

  • Accident related hospitalisation are covered from day 1.
  • Other hospitalisations are covered after 30 days. Cover starts after 30 days, except accidents which are covered from day 1
  • Exceptions : Any pre-existing diseases (PED) which are covered after 3 years and some specified diseases which are covered after 2 years from the policy start date.

Other additional benefits :

  • 100% Cover restoration
  • No claim bonus
  • Free Health Check-up
  • Ambulance charges
  • Daily cash allowance
  • 60 days pre-hospitalisation
  • 180 days post hospitalisation
  • Organ donor expenses
  • Maternity
  • New-born treatment
  • Home treatment
  • Outpatient
  • Ayush treatments
  • Recovery allowance

Out of pocket expenses

  • You will bear all the expenses not covered by the policy. Refer to the list of such expenses in the Policy Exclusions section below
  • Additionally, you will pay 0% copay for each admissible claim.
  • Besides, you will have to pay more if you stay in a room category above 10000

Policy Exculsion

  • Cosmetic surgery
  • Birth defects
  • Medical expenses due to drugs/alcohol abuse
  • Self-inflicted injury
  • Hazardous sports or war related injuries
  • HIV or AIDS
  • Sexually Transmitted Disease(STDs)
  • Consumables
  • Mental illness
  • Genetic disorders
  • Dental treatment / Surgery
  • Eye disorders & lasik laser treatment
  • Hospitalization for only diagnostic purpose
  • Diagnostic Charges
  • Hospital registration or admission fees
  • Administrative Charges
  • Non medical expenses

Claims settlement

  • If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer.
  • If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital. See the list of the network hospitals near you below

Most frequently asked questions

Q. Are any riders available with the plan?

A. Yes, a critical illness add-on is available with the plan which pays 100% of the Sum Assured if the insured is diagnosed with a critical illness during the tenure of the plan.

Q. Can the waiting periods be reduced?

A. No, the waiting periods cannot be reduced except for maternity coverage, where waiting period of 4 years can be reduced to 2 years by paying an additional premium.

Q. What are the rules on co-payment?

A. Co-payment is mandatory for individuals who are 65 years of age and above. Co-payment necessitates the insured to bear a part of the claim himself. Policyholders can also opt for voluntary co-payment of 10% or 20% of the claim. This voluntary choice would reduce the resultant premium of the plan.

Q. What is the No Claim cumulative bonus booster?

A. By paying an additional premium, this booster can be added by the policyholder. By this booster, rather than the applicable 10% increment in the Sum Assured as No Claim Bonus, a 25% increment would be added subject to a maximum of 100% of the Sum Assured.

Q. What is the Healthy Reward program under the plan?

A. Through this program, the policyholder can earn reward points on premiums paid. These points are calculated @1% of the premium paid and are added when the insured maintains a healthy lifestyle. Such healthy lifestyle can be maintained and monitored by the insured’s participation in the company’s online wellness programs. A maximum of 10% of the premium paid can be accumulated as reward points which can be then redeemed on subsequent premium payments.

Cigna TTK Health Insurance