home > Tie Ups >Cigna TTK Health Insurance
  HEALTH INSUTANCE PLANS
Cigna TTK Pro Health Insurance Cigna TTK Pro Health Insurance
Pro Health Insurance Protect Plan

Sum insured options Rs. 2.5 lakhs, Rs. 3.5 lakhs and Rs. 4.5 lakhs

Entry age & renewal the minimum entry age is 91 days for children and 18 years for adults. There is no maximum age limit for entry under this policy. The plan provides lifetime renewal opportunity.

Is a medical test required before enrolment? Depends on the age and the sum insured opted for.

What determines premium? Apart from age, lifestyle, sum insured, gender and results of the medical test (if undertaken), the geographical location also determines premium. Cities and town have been divided into 3 separate zones.

Policy period: One can choose between 1 year and 2 years term.

Family discount 10% discount on the premium amount for enrolling more than 2 family members under a single individual policy.

Pro Health Insurance Plus Plan

Sum insured options: Rs. 4.5 lakhs, Rs. 5.5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs

Entry age & renewal: The minimum entry age is 91 days for children and 18 years for adult. There is no maximum age limit for entry under this policy.The plan provides lifetime renewal opportunity.

Is a medical test required before enrolment? It depends on the age and the sum insured that you have opted for.

What determines premium? Apart from age, lifestyle, sum insured, gender and results of the medical test (if undertaken), the geographical location also determines premium. Cities have been divided into 3 separate zones.

Policy period: One can choose between 1 year and 2 years term

Family discount: 10% discount on the premium amount on enrolling more than 2 family members under a single individual policy.

Pro Health Insurance Preferred Plan

Sum insured options: Rs. 15 lakhs, Rs. 30 lakhs, Rs. 50 lakhs.

Entry age & renewal: The minimum entry age is 91 days for children and 18 years for adults. There is no maximum age limit for entry under this policy.The plan provides lifetime renewal opportunities.

Is a medical test required before enrolment? Yes, medical tests are mandatory.

What determines premium? Apart from age, lifestyle, sum insured, gender and results of the medical test (if undertaken), the geographical location also determines premium. Cities and town have been divided into 3 separate zones.

Policy period: You can choose between 1 year and 2 years.

Family discount: 10% discount on the premium amount on enrolling more than 2 family members under a single individual policy option.

Pro Health Insurance Premier Plan

Sum insured options: 100 Lakhs

Entry age & renewal the minimum entry age is 91 days for children and 18 years for adults. There is no limit for entry under this plan. The plan provides lifetime renewal opportunities.

Is a medical test required before enrolment? Yes, medical tests are mandatory.

What determines premium? Apart from age, lifestyle, sum insured, gender and results of the medical test (if undertaken), the geographical location also determines premium. Cities and town have been divided into 3 separate zones.

Policy period: One can choose between 1 year and 2 years

Family discount: 10% discount on the premium amount on enrolling more than 2 family members under a single individual policy option.

Lifestyle Protection Critical Care

Program is designed to carter your various health needs. It is for all the customers, which assures them to live a better lifestyle.

It consists of online programs like Health Risk Assessment, Lifestyle Management Programs, Nutrition Programs and access to health articles through the Cigna TTK Website.

On first diagnosis of the covered critical illness, we will pay the sum insured under the policy, provided the insured person meets the applicable waiting periods. This money can be used to cover your medical bills or maintain your lifestyle.

We understand your need for an expert opinion for deciding on the best course of action. You have the benefit of seeking a second opinion from our network of medical practitioners, on being diagnosed with a covered critical illness.

Lifestyle Protection Accident Care

You will receive 100% of sum insured in case of accidental death and 200% of sum insured if death occurs while traveling as a fare paying passenger on a common carrier.

You will receive a lump sum payment as per policy terms in the event of fracture of bones due to an accident.

You will receive 25% of the sum insured as lump sum in the event of suffering from a Coma due to accident.

You will receive a one-time payment of Rs.5000 for sum insured up to 50 lakhs and Rs.10,000 for sum insured above Rs 50 lakhs towards funeral or cremation expenses.

We understand the financial turmoil your family may encounter in case of accidental death of parents, so you will receive an amount equal to the sum insured towards dependent child as ‘orphan benefit’. will receive 100% of sum insured in case of permanent total disability due to accident. In the occurrence of permanent disability while travelling as a fare paying passenger on a common carrier, 200% of sum insured will be paid.

Global Health Group Policy

Provides Inpatient Hospitalization and Day Care Benefits with Sum Insured from Rs. 50 lacs to Rs. 12 Corers

Outpatient Benefits

AIDS/HIV Cover

Out of Area Emergency Treatment Cover

International Emergency Services

Maternity and New born Cover

Dental Treatment and Vision Benefits

Psychiatric & Psychological Care

Wellness Benefits

Option to limit the total Out of Pocket Expenses

Cigna TTK Lifestyle Protection - Critical Care Plan Critical Care Plan
Plan Description

A life altering illness is something we do not think about and definitely do not plan ahead for. When such a situation arises, it can leave us feeling under-prepared and unsure.
Such events significantly impact your lifestyle. To help you tackle any such unforeseen situations with ease, Cigna TTK brings you Lifestyle Protection-Critical Care. It is a meticulously thought out plan that begins by helping you stay healthy, and covers you for the most unanticipated eventualities. What’s more, it even gives you an option to choose exactly how you would like your payout to be (lump sum or staggered).
Few important aspects of this health insurance plan.

You will have options to choose a Sum Insured up to Rs 3 Cores. Eligibility of Sum Insured will be determined based on your income, with the maximum being 10 times of annual income. For non-earning family members, the sum insured is limited to maximum 60% of the earning member for covering spouse. For a dependent child, parents, in-laws and siblings, it’s 30% of earning member’s sum insured.

Medical test will be determined based on your age.

The premium will depend on the plan, sum insured and policy tenure along with your age, gender and health status. You have an option to avail an annual premium instalment for 2 and 3 years policy.

You may choose between a 1, 2 or 3 years policy period.

The policy can be purchased on an individual & family basis.

There will be a 10% discount on the premium amount for enrolling more than 2 family members under a single policy.

Critical Illnesses Covered

Lifestyle Protection-Critical Care covers upto 30 critical illnesses. Basic Plan covers first 15 and Enhanced Plan covers all 30 Critical Illnesses.

  1. Cancer of specific severity
  2. First Heart Attack – of Specific Severity
  3. Open Chest CABG
  4. Open Heart Replacement or Repair of Heart Valves
  5. Coma of Specified Severity
  6. Kidney Failure Requiring Regular Dialysis
  7. Stroke Resulting in Permanent Symptoms
  8. Major Organ / Bone Marrow Transplant
  9. Permanent Paralysis of Limbs
  10. Motor Neurone Disease with Permanent Symptoms
  11. Multiple Sclerosis with Persisting Symptoms
  12. Primary Pulmonary Hypertension
  13. Aorta Graft Surgery
  14. Loss of Hearing
  15. Loss of Sight
  16. Coronary Artery Disease
  17. Aplastic Anaemia
  18. End Stage Lung Disease
  19. End Stage Liver Failure
  20. Major Burns
  21. Fulminant Hepatitis
  22. Alzheimer’s Disease
  23. Bacterial Meningitis
  24. Benign Brain Tumor
  25. Apallic Syndrome
  26. Parkinsons Disease
  27. Medullary Cystic Disease
  28. Muscular Dystrophy
  29. Loss of Speech
  30. Systemic Lupus Erythematous

Plan Benefits

Our customized wellness program is designed for your health needs. It’s a services are available to all our customers, which empowers them to make sustainable lifestyle changes. It consists of online programs like Health Risk Assessment, Lifestyle Management Programs, Nutrition Programs and access to health articles through the Cigna TTK Website.

On first diagnosis of the covered critical illness, we will pay the sum insured under the policy, provided the insured person meets the applicable waiting periods. This money can be used to cover your medical bills or maintain your lifestyle.

Plan Key Features

You can place a request for cancellation any time during the term of the policy; premium refund will be on short period basis.

From the policy inception date, there will be a waiting period of 90 days before the symptoms of any critical illness first occur for you to be able to make a claim.

There is a grace period of 30 days for renewal of a single premium policy from the date of expiry.

Along with other benefits, you can also claim tax deduction u/s 80D as per IT Act 1961 for premium paid towards this policy. For premiums paid in cash, tax benefit u/s 80D shall not be applicable. Please consult your tax adviser for more details.

We will not pay any claims arising out of or attributable to any of the following:

  • Any illness other than specified critical illnesses
  • Any pre-existing diseases
  • HIV/AIDS and its complications
  • Genetic disorders
  • Mental disorders
  • Suicide or drug abuse
  • Any loss resulting from child birth or pregnancy
The above list is only indicative and not exhaustive. Please refer to the policy terms and conditions for complete details.

Once a claim for a particular critical Illness has been admitted and paid, the coverage will automatically terminate for that insured person. If the policy is issued to more than one individual, it will continue to be in force for the remaining members.

Cigna TTK Global Health Group Policy Cigna TTK Global Health Group Policy

The Global Health Group Policy is designed to cater to the health needs of today's mobile workforce that travels overseas regularly. It covers Indian locals and expatriates working abroad under one umbrella. This cover is available for employees and their dependants excluding parents. You can start enrolment as early as 18 years and maximum upto 75 years. Dependent Children can be covered from day 1 of birth up to 25 years of age.

Highlights Of Cigna TTK Group Health Policy

Provides Inpatient Hospitalization and Day Care Benefits with Sum Insured from Rs. 50 lacs to Rs. 12 Cores

Outpatient Benefits

AIDS/HIV Cover

Out of Area Emergency Treatment Cover

International Emergency Services

Maternity and New born Cover

Dental Treatment and Vision Benefits

Psychiatric & Psychological Care

Wellness Benefits

Option to limit the total Out of Pocket Expenses

Additionally each group can choose the area of coverage from the options below:

India, Africa, Middle East, Oceania, Asia (excluding China, Hong Kong, Singapore, Japan, Taiwan)

India, Europe, Canada, Latin America, Caribbean

Worldwide Excluding United States

Worldwide Including United States

Cigna TTK Life style Protection Accident Care Plans Protection Accident Care Plans

With a unique approach to the Indian market our Lifestyle Protection-Accident Care plan fills a potential gap in coverage of unexpected expenses arising from death or serious injury caused by an accident that may not be satisfied by other insurance plans such as life, disability, health or workers’ compensation. This coverage provides protection on or off the job, including death, disability, loss of job and financial protection.

Plan Description

You have the flexibility to choose an amount ranging anywhere from Rs 50,000 to Rs 10 Cores. Eligibility depends on your income, with the maximum being 10 times of annual income. For non-earning family members, the sum insured for spouse is limited to a maximum of 60% of the earning member and for a dependent child, parents, in-laws and siblings; it’s 30% of earning member’s sum insured.

Persons above 70 years up to 80 years may be accepted subject to Medical Underwriting.

The premium will depend on the plan, optional covers, sum insured and policy tenure. You may choose to pay via single premium mode or annually in case of a 2 & 3 year policy term.

You may choose between a 1, 2 or 3 years policy period.

This policy will cover self, spouse, dependent parents and dependent parents in-laws in addition to dependent children and dependent siblings up to the age of 25 years.

There will be a 10% discount on the premium amount for enrolling more than 2 family members under a single policy.

There will be a 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy

Three Plan Options

Plan A – Basic Cover

  • Accidental Death
  • Emergency Ambulance Cover
  • Funeral Expenses

Plan B – Enhanced Cover

  • Accidental Death
  • Permanent Total Disablement
  • Education Fund
  • Emergency Ambulance Cover
  • Funeral Expenses

Plan C – Comprehensive Cover

  • Accidental Death
  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Education Fund
  • Emergency Ambulance Cover
  • Orphan Benefit
  • Loss of Employment
  • Funeral Expenses

You also have Optional Covers to supplement coverage under all the plans:

  • Temporary Total Disablement
  • Burns Benefit
  • Broken Bones Benefit
  • Coma Benefit

Plan Benefits

You will receive 100% of sum insured in case of accidental death and 200% of sum insured if death occurs while travelling as a fare paying passenger on a common carrier.

You will receive a lump sum payment as per policy terms in the event of fracture of bones due to an accident.

On suffering from burns due to accident you will receive 10-100% of sum insured, depending on the degree of burns.

You will receive 25% of the sum insured as lump sum in the event of suffering from a Coma due to accident.

We want your child’s education go on unaffected even in your absence or in case permanent disability. So, you will receive a one-time payment equal to 10% of sum insured per surviving dependent child for a maximum of 2 children subject to a limit of Rs.10 lakhs per policy.

You will receive a lump sum amount (maximum up to Rs.10,000 based on sum insured selected by you) for transportation expenses on emergency ambulance services.

You will receive a one-time payment of Rs.5000 for sum insured up to 50 lakhs and Rs.10,000 for sum insured above Rs 50 lakhs towards funeral or cremation expenses.

We understand the financial turmoil your family may encounter in case of accidental death of parents, so you will receive an amount equal to the sum insured towards dependent child as 'orphan benefit'.

You will receive 100% of sum insured in case of permanent total disability due to accident. In the occurrence of permanent disability while travelling as a fare paying passenger on a common carrier, 200% of sum insured will be paid.

You will receive a weekly benefit of 1 % of Sum Insured (following an accident), subject to a maximum of Rs.25,000 per week up to 100 weeks, with respect to any one Injury.

Key Features

We will not pay any claims arising out of or attributable to any of the following:

  • Any pre-existing condition or disability arising out of pre-existing diseases
  • Suicide, intentional self-injury, acts of self-destruction
  • HIV/AIDS and its complications
  • Genetic disorders
  • Mental disorders
  • Drug abuse
  • Persons engaged in hazardous activity unless specifically covered The above list is only indicative and not exhaustive.
Please refer to the policy terms and conditions for complete details.

You can place a request for cancellation any time during the term of the policy; premium refund will be on short period basis.

There is a grace period of 30 days for renewal of a single premium policy from the date of expiry.

Coverage under this Policy shall automatically terminate for an Insured Person upon payment of a benefit equal to the total Sum Insured or upon death of an Insured Person. Wherever the benefit paid is partial in nature the policy shall continue for the balance Sum Insured in respect of that Insured Person.

For instalment premium policies, the revival period shall be 15 days.

Cigna TTK Hospital Cash Plans Hospital Cash Plans

Cigna TTK Hospital Cash Plan is a fixed daily cash benefit plan that will help you take care of these out of pocket expenses. The plan pays an assured amount for days spent in hospital irrespective of type and amount of the bill.

Plan I – Basic Plan

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

Plan II – Enhanced Plan

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

Optional Covers

  • Day Care Treatment Benefit
  • Accidental Death & Permanent Total Disability Cover
  • Critical Illness Add-on Cover

The premium will depend on the plan, daily cash benefit, policy tenure along with your age, optional cover and maximum coverage limit opted.

You may choose between a 1, 2 or 3 years policy period. You have an option to avail a single premium mode and an annual premium installment for 2 and 3 years policy.

Policy can be purchased on an individual basis only.

Policy will cover self, spouse, parents, in-laws, grandparents in addition to children, grandchildren and siblings.

There will be a 10% discount on the premium amount for enrolling more than 2 family members under the same Hospital cash policy.

There will be a 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy

All payments under the policy will be made on per day benefit basis.

Easy plan options are available. Medicals if any will be determined based on your age, plan, sum insured and medical history.

Plan Benefits

We will pay a Daily Cash Benefit for each continuous and completed period of 24 hours of Hospitalization due to injury.

We will pay 2 times the Daily Cash Benefit for each continuous and completed period of 24 hours of Hospitalization for illness.

For hospitalization in an Intensive Care Unit for treatment of illness and injury we will pay 3 times the Daily Cash Benefit. Coverage is limited to a maximum of 15 days per Insured Person per Policy Year.

You might need to get hospitalized in a Hospital room Or Intensive Care Unit (ICU) outside India for medical assistance due to illness or injury. Don’t worry; we will pay 3 times the Daily Cash Benefit for medically necessary treatment.

There can be a situation when you may need a long hospital stay. We understand your problems. We will pay a lump sum equal to 5 times the Daily Cash Benefit for hospitalization of at least 10 consecutive days

While you are hospitalized you may need a family member to take care of you. We ensure that you get continuous care with additional pay of 50% of your Daily Hospital Cash Benefit.

It consists of online programs like Health Risk Assessment, Lifestyle Management Programs, Nutrition Programs and access to health articles through the Cigna TTK Website

We will pay a lump sum benefit amount lower of 5 times the Daily Cash Benefit or Rs.25,000, to the Insured Person for Day Care Treatment. The benefit shall be available for a maximum of 5 Day Care Treatments per Insured Person per Policy Year. For Cataract, coverage is limited to 1 surgery in a Policy year per Insured Person.

Persons between 18 to 65 years can opt for Critical Illness cover as add-on benefit. We will give a lump sum amount equal to Sum Insured in case of first diagnosis of the covered critical illness. Once claim is paid the Critical Illness benefit will cease to exist for that person.

Key Features

There is a grace period of 30 days for renewal of a single premium policy from the date of expiry.

For installment premium policies, the revival period shall be 15 days.

We know your need to try something before you trust it. A period of 15 days from the receipt of the policy document is available to review the terms and conditions of this policy. You can choose to cancel the policy by stating the reason for cancellation and we shall refund the premium after retaining 50% of costs for any medical tests (if conducted). Cancellation will be allowed only if there are no claims reported.

Along with other benefits, you can also claim tax deduction u/s 80D as per IT Act 1961 for premium paid towards this policy. For premiums paid in cash, tax benefit u/s 80Dshall not be applicable. Please consult your tax advisor for more details

You can place a request for cancellation any time during the term of the policy; premium refund will be on short period basis.

A waiting period of 30 days from the Inception Date of the Policy will be applicable for all hospitalization claims except in case of accidents.

From the policy inception date, there will be a waiting period of 90 days before the symptoms of any critical illness first occur for you to be able to make a claim. A 30 days survival period will also apply.

Two Years Waiting Period will be applicable for specific illnesses.

48 months waiting period will be applicable for any Pre-existing diseases/Illness/Injury/conditions.

Cigna TTK Life Style Protection Group Policy Life Style Protection Group Policy

Lifestyle Protection Group Policy offers choice of protection against the consequences of unforeseeable accidents and risk of critical illness under one cover. A corporate or groups/ associations with commonality of purpose can purchase this policy for their employees or members and dependents. It is a completely customizable policy to suit the requirements of your employees or group members, giving you the flexibility and freedom to design the cover you need.

Choice of covers

Group Personal Accident + Optional Covers under GPA

Group Critical Illness + Optional Covers under GCI

Group Personal Accident + Optional Covers under GAP + Group Critical Illness + Optional Covers under GCI

Group Personal Accident + Optional Covers under GPA + Group Critical Illness

Group Critical Illness + Optional Covers under Group Critical illness + Group Personal Accident

Group Personal Accident + Group Critical Illness

Group Personal Accident only

Group Critical Illness only

At Cigna TTK, we work in partnership with you giving you the power to pick and choose benefits aligned with your needs. With our wealth of experience and global presence, your employees or group members can have easy access to quality health care wherever they are in the world.