Cigna TTK Health Insurance, a joint venture between US based global health service leader, Cigna Corporation and Indian conglomerate TTK Group and Manipal Group, today announced the launch of an enhanced version of flagship health protection product ‘CignaTTK ProHealth Insurance’ . The protection solution has been designed with added features for the Indian market to provide 360 degree health coverage. The product offers customers the unique benefit of combining health protection, wellness and health reserve to help them take more control over their healthcare expenses.

Cigna TTK’s ProHealth Insurance offers five different plans to provide choice of right health insurance cover for different segment of customers for their needs. Range of hospitalisation cover starts from ₹ 2.5 lakhs and goes upto ₹ 1 crore. The policy provides unique benefit of guaranteed cumulative bonus, which increases coverage under the policy by 5 per cent to 10 per cent of the sum insured every year, irrespective of claims across plans. Cumulative bonus can accumulate maximum upto 200 per cent of sum insured. The policy also comes with unlimited restoration of sum insured for unrelated illnesses/ injury in a policy year. With increased healthy reward points upto 20 per cent of premium you also save on renewal premium. In addition, the product offers inbuilt coverage of 546 day care treatments, along with a full coverage towards in-patient AYUSH treatment.

Speaking about the policy offerings, Prasun Sikdar, Managing Director and CEO, Cigna TTK Health Insurance Company said “We thoroughly understand that every customer has different requirements, hence we present an enhanced ProHealth plan that meets our customers’ unique health and wellness needs. The product has 5 different protection solutions and multiple customisation options to meet demands of various customer segments. At Cigna TTK, we have always believed in the power of the words – ‘Health hai toh life hai’. Our health plans have therefore been designed with added features to journey with our customers in times of illness and wellness” ProHealth Insurance offers smart health wallet under health maintenance benefit that takes care of regular out-patient medical expenses including consultations, medicines, diagnostics, dental care, alternative treatments and more.

The ProHealth accumulate helps you grow a health reserve with a 5 per cent bonus on unutilised HMB every year. You can even utilise upto 50 per cent of the accumulated Health Maintenance Benefit towards payment of premium from 1st renewal and onwards under this version.

Talking about the partnership, Yashish Dahiya, Co-Founder and CEO, PolicyBazaar.com said; “During our 5-year journey with Cigna TTK, I have realised that they mirror our values, which revolves around delivering high-customer centric services, credibility, strategic thinking and innovation. The upgrades given to the health plan reflects the progressive attitude sowed in the organisation’s culture and will further the scale of business for both the entities. This product has unique offerings such as coverage of more than 500-day care treatments, which are truly innovative and keeps consumer interest above all.”

ProHealth will offer customers a wide range of sum insured. Redesigned in-line with customer insights, ProHealth aims to address multiple customer requirements through different plan options – ProHealth Protect, ProHealth Plus, ProHealth Preferred, ProHealth Premier, and ProHealth Accumulate. The plan also allows customers to top-up their existing coverage with deductible options from ₹ 50,000 to 10 lakhs. One can also opt for an add-on critical illness cover for an all-round protection

As a part of ProHealth offering, the insured is also eligible for maternity, new born baby and first year vaccination coverage as per plan. In addition, there are value added features such expert medical opinion on critical illnesses, preventive health check-up and more. Tax benefit is available as per prevailing income tax norms along with standard features such as in-patient, pre and post hospitalisation, ambulance expenses and donor expenses cover.

https://www.expresshealthcare.in/insurance/enhanced-version-of-cignattk-prohealth-insurance-launched/409680/