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Cigna TTK Prohealth Protect Health Insurance

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Cigna TTK ProHealth Protect Health Insurance

 

Cigna TTK ProHealth Protect Health Insurance policy covers expenses related to hospitalization such as room accommodation, treatment costs, diagnostics, consumables and drugs. Treatment related expenses before and after hospitalization are also covered for - specified number of days.

 

 

Key Features

 

·         Sum Insured up to Rs.4.5 lac

·         Worldwide Emergency Cover

·         Health Maintenance Benefit

·         Restoration of Sum Insured

·         Cumulative Bonus for No Claims

 

 

What is covered?

 

Basic

Hospitalisation expenses

 

Room Rent

Covered up to shared room

ICU Rent

Covered up to shared room

Fees of Surgeon, Anesthetist, Nurses and Specialists

As per actual

Pre-hospitalisation

60 days before hospitalisation

Post-hospitalisation

90 days after discharge

Day care expenses

Covered

Domiciliary Hospitalisation

Covered

 

Maternity Benefits

Waiting Period

-

Normal Delivery

-

Caesarean Delivery

-

New-born baby cover

-

Addition of New-born

-

 

Other Benefits

Auto Recharge of Sum Insured

Yes

Hospital Cash

-

Ambulance Charges

Up to Rs.2,000 per hospitalisation

Recovery Benefit

-

Health Check up

Available

Organ Donor Cover

Covered

Ayurvedic Treatment

-

Second Opinion

-

E-opinion

Expert opinion on critical illness available

Physiotherapy Charges

-

Child Education Fund

-

Health Programs

-

 

Add-ons or Riders (for extra premium)

Critical Illness

Yes

Waiver of Room Rent Sub-limits

-

Reduction in Maternity Waiting

-

 

 

Additional Benefits

 

Family Discount

10% on covering more than 2 family members

Cumulative Bonus

Sum Insured increases by 5% on every renewal, for every claim-free year, subject to a maximum accumulation of 50% of your Sum Insured

Two Year Policy Option

Yes

Co-payment

-

Cashless

Yes

Claim Loading

No

Health Maintenance Benefit

Covered up to Rs.500

Healthy Rewards

Reward Points can be earned for each year of premium paid and/or by enrolling the Online Wellness Programs. These earned Reward Points can be used to get a discount in premium from the 3rd Annual Premium OR they can be redeemed for equivalent value of Health Maintenance benefits.

Worldwide Emergency Cover

Yes

Free Look In Period

15 days from the receipt of the policy document

Health Check-Up

Provides comprehensive health check-up once every 3 years

Deductible

Available of Rs. 1 lac and Rs. 2 lac

Voluntary Co-Payment*

This option (when exercised) would mean that you choose to pay the first 10% or 20% of the claim and the balance would be covered by your plan. * Voluntary Co-pay & Deductible cannot be opted in the same plan.

 

 

Eligibility and Restrictions

 

 

Minimum

Maximum

Coverage Amount (in Rs.)

2,50,000

4,50,000

Policy Term (in years)

1

2

Entry Age (in years)

18

No Limit

Renewable till Age (in years)

-

Lifetime

No Medical Test Age (in years)

-

45

 

 

Tax Benefits

 

Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

 

 

 

Exclusions - What is not covered?

 

Major Exclusions

Pre-existing diseases

Covered after first 4 continuous policy years

For the first 30 days

Only accidents are covered. (not applicable for renewals)

For the first 24 months

Hypertension, Cataract, Hernia,

Dental treatment or surgery

Not covered (unless caused due to an accident)

 

Routine medical, eye and ear examinations, cost of spectacles, laser surgery for cosmetic purposes or corrective surgeries, contact lenses or hearing aids, etc

AIDS / HIV

All expenses arising out of any condition directly or indirectly caused due to or associated with human T-call Lymph tropic virus type III (HTLV-III) or

Lymphadinopathy Associated Virus (LAV) or Acquired Immune Deficiency Syndrome (AIDS), AIDS related complex syndrome (ARCS) and all diseases / illness / injury caused by and / or related to HIV and sexually transmitted diseases.

Cosmetic treatment

Any cosmetic surgery unless forming part of treatment for cancer or burns, surgery for sex change or treatment of obesity / morbid obesity or treatment / surgery / complications / illness arising as a consequence thereof.

 

 

 

 

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