In the midst of chaotic lifestyle and fastest moving world, we all often overlook the daily health requirements. You can envisage or imagine the time when you will require medical exigency. If you opt for any medical assistance or emergency the bills and costs can make hole in your pocket. This is where the medical or health insurance plans come into limelight that not only help you to seek optimal medical care, but also help you to have complete peace of mind knowing that you are backed with health insurance to cover your medical expenses during emergencies. Cigna TTK Health Insurance plans are designed to satisfy all medical related needs of the customers and prevent them from incurring the medical expenses during medical emergencies.
Cigna TTK Health Insurance Product List
• Cigna TTK ProHealth Insurance/ Individual & Family Health Plans o Cigna TTK ProHealth Insurance Protect Plan o Cigna TTK ProHealth Insurance Plus Plan o Cigna TTK ProHealth Insurance Preferred Plan o Cigna TTK ProHealth Insurance Premier Plan
• Cigna TTK Lifestyle Protection- Critical Care Insurance Plan • Cigna TTK Global Health Group Policy • Cigna TTK Lifestyle Protection/Accident Care Plan • Cigna TTK Hospital Cash Insurance Plan
Features and Benefits of Cigna TTK Health Insurance
• The TTK Health Insurance plans offer you a Sum Assured Value up to 4.5 Lakhs • You can get tax benefits or tax savings on the health insurance plan for the premiums paid under Section 80C of Income Tax Act • There is no pre-policy medical checkup required to purchase and enroll for the policy • Medical expenses incurred during organ transplantation is also covered under the health insurance by Cigna TTK • There is a grace period of 30 Days for the renewal of single premium policies from the date of expiration • There is also a free lock-up period offered to the customers and 15 days free trail offer if provided to customers to check the policy and decide whether or not to continue • There are also maternity benefits available. The maximum coverage for C-section delivery is Rs. 1, 00, 000 and for normal delivery coverage is up to Rs. 50, 000 INR. Maternity claims can only be availed after 48 months of enrollment with the policy. • Under the health insurance policy you can get a lump sum amount for daily hospitalization along with other in-patient benefits • Cashless hospitalization facility is available across the wide network of hospitals in India • In-patient hospitalization facility include nursing, medicines, room rent and consumables • Ayush coverage is also offered under Cigna TTK Health Insurance which provide coverage for all Unani, Ayurveda, homeopathy treatment • Pre and post hospitalization coverage is also offered under health insurance plans • The cost of emergency ambulance services is also covered under the health insurance which is paid when in-patient claims are made • No claim bonus is up to 50%
Claiming Process for Cigna TTK Health Insurance
There are basically two different ways to make claims for TTK Health Insurance: • On reimbursement basis • On cashless basis
To make the cashless basis claims, you are required to seek medical care and treatment at the associated hospital of the insurance company. You need to seek the authorization by filling out the insurance form available at the TPA Desk of hospital and send the completed form to the insurance company. The company will send the approval letter to the concerned hospital and you can undergo cashless treatment after approval. If the authorization is rejected you can start the treatment and file reimbursement claims.
In reimbursement basis, the policy holder needs to inform the insurance company in a prescribed process. Every documents during the treatment phase needs to kept carefully as to make the claim these documents like prescriptions, medical bills discharge summary copy along with claim form must be submitted for the claim on reimbursement.
|