Cigna TTK Health Insurance today launched a health insurance product “ProHealth” with an add-on Critical Illness option.
CIGNA TTK is a joint venture between US-based global health service leader, Cigna Corporation, and Indian conglomerate TTK Group.
ProHealth offers immediate benefit to the policy holder through Cigna TTK Health Maintenance Benefits that will cover the cost of diagnostic tests, drugs and doctor’s fees prescribed by the physician for minor ailments. In addition, Cigna TTK facilitates a Healthy Reward Programme that allows its customers to earn reward points on the premium paid and accrue additional points by opting for Cigna TTK’s ProLife - an online wellness programme.
One of the significant features of this product is that it offers worldwide emergency health cover to the policy holder. Through this facility, a customer is covered for health emergencies anywhere across the world.
Sandeep Patel, CEO and Managing Director, CignaTTK Health Insurance said, “We strongly believe that different consumers have different requirements, hence we have developed ProHealth to be flexible to consumers' unique needs. The product has four variants and multiple customisation options to cater to all consumer segments.”
The plan has a Smart Restoration feature that has been designed in a way that restores the entire sum insured in case the balance is insufficient for the subsequent claims, within the same year.
ProHealth will enable customers to avail of insurance sums ranging from ₹2.5 lakh to ₹100 lakh. ProHealth aims to address multiple customer requirements through 4 plan options - ProHealth Protect, ProHealth Plus, ProHealth Preferred and ProHealth Premier. The plan also allows ProHealth Protect, Plus and Preferred customers to opt for an add-on Critical Illness cover.
As a part of this plan, the insured is eligible for maternity and new born baby coverage. In addition, there are value-added features such as expert medical opinion on critical Illnesses, deductible plans for consumers with existing health cover or those who can afford to pay the initial claim amount. Tax benefits are offered as a part of ProHealth plan along with standard features such as in-patient, pre- and post-hospitalisation, ambulance expenses and donor expenses.