How reliable is the Cigna TTK medical insurance product Pro Health Plus?
Especially for children below 18 years, elders between 70 to 76 years and, middle-aged persons between 40-46.
- Dr Nilotpal Goswami
Cigna TTK Pro Health Plus policy is a comprehensive policy that provides a wide coverage. It covers inpatient treatment and reimburses for outpatient treatment as well. It also covers maternity expenses and newborn with first year vaccinations. An interesting feature is automatic sum restoration which increases the sum insured to its original limit if policyholder exhausts the sum insured in a financial year. The restored sum, however, cannot be used for same illness. This policy can be bought as a primary policy or as a top up policy. It offers to opt for a deductible where, initial sum out of total of all claims in a year upto the deductible will be either borne by policyholder out of his pocket or paid by existing health insurance policy. Selecting a deductible will reduce policy premiums heavily.
Suitability
This policy is suitable for a young couple yet to plan a family. For others, Cigna TTK Pro Health Insurance policy is suitable. It also offers same features except for maternity and new born cover. Opt for deductible to reduce premiums. Do not go for co-payment clause. You can buy a family floater health cover and a separate cover for elders. Premiums for healthy individuals at your age will be as follows.
| Pro Health Protect Plan- Family Floater | |
| Cover | 4.50 lakh |
| Adult 1-75 yrs | Rs. 65,242 |
| Adult 2- 70 yrs | |
| Adult 1- 45 yrs | Rs. 15,333 |
| Adult 2- 40 yrs | |
| Child 1- 10 yrs | |
| Pro Health Protect Plan- Family Floater with deductible | |
| Deductible | 1 lakh |
| Additional Cover | 4.50 lakh |
| Adult 1-75 yrs | Rs. 51,796 |
| Adult 2- 70 yrs | |
| Adult 1- 45 yrs | Rs. 4,758 |
| Adult 2- 40 yrs | |
| Child 1- 10 yrs | |
The policy further offers flat discount of 7.5% on payment of two year premiums at once.
This article was originally published on September 24, 2015.
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