Tuesday, 1 August 2017

Understanding Cigna Health Insurance

Despite maintaining a healthy lifestyle, we are exposed to many health risks. Owing to the medical inflation each year, sparing a small amount from our regular expenses and invest in health insurance becomes crucial. But with the undue amount of insurance plans in India, choosing the adequate policy for you and your family is an arduous task. However, the onus of making a farm decision, through exploring the market and choosing the best health insurance, is always on you. When it comes to health insurance, among the leading plans available in India, Cigna Health Insurance is worth mentioning. Before digging into its various health insurance plans, let’s have a glance on company’s background!

U.S. based worldwide health services provider, Cigna Corporation and Indian conglomerate, TTK Group had joined hands to create Cigna TTK Health Insurance Company Ltd. It started its operations in February 2014 after receiving the regulatory license from IRDA in the year 2013. This partnership was expected to bring innovative revolutions in the field of health insurance with a proactive customer service to the Indian financial market. Having its head office in Mumbai, it manages the services in 11 other cities across the country.

Health Insurance Plans by Cigna TTK     

  • ·         ProHealth Protect Policy
  • ·         ProHealth Preferred Policy
  • ·         ProHealth Accumulate Policy
  • ·         ProHealth Premier Policy
  • ·         ProHealth Plus Policy
  • ·         Lifestyle Protection - Accident Care Policy
  • ·         Lifestyle Protection - Critical Care Policy


Cities Where Network Hospitals are Available

  • ·         Delhi
  • ·         Mumbai
  • ·         Kolkata
  • ·         Bangalore
  • ·         Chennai


Plan Name
Sum Assured
Entry Age
Pre and Post Hospitalisation
ProHealth Protect Policy

Rs. 2.5/Rs. 3.5/Rs. 4.5
Minimum age eligibility is 91 days. No maximum age limit
Pre and post-hospitalisation costs are covered up to 60 days
ProHealth Preferred Policy

One can choose the sum assured between Rs. 15 lakh/30 lakh/50 lakh
Minimum age eligibility is 91 days. No maximum age limit
Pre-hospitalisation costs are covered up t o 60days while post hospitalisation benefits are offered for 180 days
ProHealth Premier Policy

Rs. 1 crore
Minimum age eligibility is 91 days. No maximum age limit
Pre-hospitalisation costs are covered up to 60 days while post hospitalisation benefits are offered for 180 days
ProHealth Plus Policy

Rs. 4.5 lakh/Rs. 5.5 lakh/Rs. 7.5 lakh
Minimum age eligibility is 91 days. No maximum age limit
Pre-hospitalisation costs are covered up t o 60days while post hospitalisation benefits are offered for 180 days
Lifestyle Protection - Accident Care Policy

Rs. 3 cr.
Minimum entry age is 18 years and the maximum is 80 years. Children can be added from the age of  5 years, up to the maximum age of 25 years.
NA
Lifestyle Protection - Critical Care Policy

Sum assured are offered to a limit of 3 cr.
Minimum age eligibility is  18 years and maximum is 65 years
NA


 Features of Cigna Health Insurance Plans

  • ·         The health insurance plans of Cigna offers lifelong renewability and you will be covered for an entire lifetime.
  • ·         To cover any pre-existing disease, you’ll have to serve for 4 continuous years.
  • ·         Plans are designed to cover  critical Illnesses and a global emergency cover is offered
  • ·         Plans also provide reimbursement of Rs.500/- every year to cover outpatient costs such as doctor’s consultation fee
  • ·         NCB discount for every claim-free year



Cigna TTK with its affordable plans makes the health care easily accessible to the common people. Most of its plans promote personal health management. These plans are designed by keeping the potential proposer’s profile in mind. With the health insurance offered by Cigna, you can keep your stress at bay as they cover different situations. However, we suggest you compare the policies on various aggregator sites available online!

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