ProHealth Insurance Detailed PPT - 17022014 - V1 0

CignaTTK ProHealth Insurance
Product Presentation
February, 2014
Confidential, unpublished property of CignaTTK, Do not duplicate or distribute. Use and distribution limited solely to authorized personnel.
Copyright 2014 (CignaTTK Health Insurance Company Limited)
Overview
CignaTTK Its Mission & Strength
Introducing ProHealth
A Plan to Cover You Completely
ProHealth at a Glance
ProHealth Features, Waiting Period and Exclusions
Plan Options and Benefit Structure
ProHealth USP
Premium
What is CignaTTK?
Mission Statement
Our Philosophy & Our Strength
Introducing
CignaTTK
ProHealth
Insurance
Policy
At Cigna TTK our aim is to encourage you to stay healthy
ProHealth A Plan That Covers You Completely

Physical Well-Being
We care about our customers health. In our effort to innovate
and grow we have assembled benefits that takes care of your
Physical Well-Being.
Emotional Well-Being
We understand life is not always a easy ride. We are there at
every stage of your life with benefits ensuring your Emotional
Well-Being.
Financial Well-Being
We always strive to bring a smile on your face and what better
way then to celebrate with your Financial Well-Being.
ProHealth at a Glance
Physical Well-Being
Emotional Well-Being
Financial Well-Being
In-Patient Hospitalization
Pre & Post Hospitalization
Day Care Treatment
Health Maintenance Benefit
Healthy Rewards
Health Check-up
Domiciliary Treatment
Expert Opinion on Critical

Illness
Worldwide Emergency
Cover
Ambulance Expenses
Donor Expenses
Maternity & New Born
Expenses
Vaccination Cover
Restoration of Sum
Insured
Cumulative Bonus
Critical Illness Add-on
Cover
Discounts on Premium
Deductible
Tax Benefit
ProHealth: Basic Covers

In-Patient Hospitalization
Covers medical expenses for hospitalization of insured due to injury or illness for more than 24 hours
Up to a Shared Room / Single Private Room as per the Plan opted. All Associated Medical Expenses will be
payable in the same proportion as defined in the policy.
Pre & Post Hospitalization

We will reimburse medical expenses towards treatment of injury or illness before and after hospitalization
upto the period specified in plan.
Day Care Treatment

Medically necessary procedure requiring less than 24 hours hospitalization is covered under Day Care. Our
Day Care List includes 170+ Ailment.
Domiciliary Treatment
If situation requires treatment to be taken at home & condition for treatment continues for 3 days, same is
covered under this benefit provided that the patient cannot be shifted to the hospital or there is no bed
available in the hospital.
Ambulance Cover
If an Insured is required to be transported to the hospital for treatment during emergency, same will be
covered under Ambulance Cover up to the amount eligible under the plan
ProHealth: Basic Covers

Donor Expenses
If the insured is required to go for a major organ transplant, in-patient medical expenses towards the donor will be
covered under the plan
Worldwide Emergency Cover

We will reimburse medical expenses towards any emergency hospitalization outside of India.
Restoration of Sum Insured

If the SI and CB is insufficient due to previous claims made during a policy year, we will restore the SI to 100%.
Same can be used for all future claims for unrelated ailments for the same Insured Person and all ailments for other
Insured Members.
Health Maintenance Benefit

Under this benefit Out patient treatment expenses for diagnostic tests, dental treatments, non-allopathic medicines
etc. are covered on reimbursement basis
Maternity/New Born/First Year Vaccination

Maternity expenses for up to 2 child of an insured between 18-45years will be covered including in-patient
hospitalization expenses for the new born. We will cover vaccination expenses of the new born as per NIC program
in addition to the maternity benefit limit.
ProHealth: Value Added Covers

Health Check Up
For all insured above 18 years we will provide with a Health Check-up facility irrespective of the claim status at
our Network Hospitals. The eligibility and tests will be as per the plan selected.
Expert Opinion on Critical Illness

Insured can avail of a second opinion from our Network of Medical Practitioners if diagnosed with any of the
covered critical illnesses.
Cumulative Bonus
We will increase the SI by 5%/10% as per the plan opted in case of no claim in the expiring policy with us.
Maximum of 50% CB can be accumulated. There will be no reduction in CB for subsequent claims.
Healthy Rewards
You can earn reward points from the time you buy the policy- equal to 1% of premium paid. In addition, reward
points can be earned by opting for our Online Wellness programs. Maximum of 5 programs can be opted by an
insured in a policy year. Earned points can be redeemed for a discount in premium or as Health Maintenance
Benefits from year 3 onwards.
ProHealth: Optional Covers & Add-on Covers

Deductible
Under Protect & Plus plan, insured can choose deductible of 1/2/3 Lacs depending on the sum insured
opted. Such Deductible will be applied on the aggregate of all claims in each policy year.
Reduction on Maternity Waiting

Insured can reduce the maternity waiting period from 48 months to 24 months by opting for this benefit. If
opted waiting period for New born baby cover and First Year Vaccination Cover will be reduced accordingly.
Voluntary Co-Pay
Under Protect and Plus plan insured can choose co-pay option of 10%/20% whereby we will pay only
90%/80% of the admissible claim amount.
Critical Illness Add on Cover

Insured between 18-65 years can opt for CI cover. Once opted a List of 11 Critical Illnesses will be covered.
We will pay lump sum amount equal to SI on first diagnosis of covered Critical Illness.
10
CignaTTK ProHealth Product Features

20% for all
persons
above 65
years
30 days
from expiry
date
Mandatory Co-pay
Grace Period
Protect
2.5L/3.5L/4.5L
Plus
4.5L/5.5L/7.5L/10L
Preferred
15L/30L/50L
Premier
1Cr
Renewals
will be
available
for life
time
Renewability
Plan Type & SI
Allowed as
per IRDA
guidelines
Portability
1&2
Years
Policy Term
Cancellation can
be intimated to
company giving
15 days notice.
Refund will be on
short period scale
Min Entry Age Adult

18 years, Children 91
days
Max Entry Age
Lifetime, Children 23
years (under floater as
dependents)
Cancellation
Eligibility
Individual Policy
covering Self, Spouse,
Parents, Siblings, Inlaws and Grand
Parents/Grand Children
Floater Policy with Max
2 adults and 3 children
(self, spouse,
dependent children,
parents)
15 days from the

date of receipt of
policy kit insured can
place a request for
cancellation stating
the reason. Full
refund if no claims
reported.
Free look
Policy Type
11
CignaTTK ProHealth Product Features
Inpatient
Hospitalization
Prehospitalization
Ambulance
Cover
Domiciliary
Treatment
Donor
Expenses
Expert
Critical Opinion on
Critical
Illness
Illness
Cover
(add-on)
Healthy
Rewards
Health
Check
Up
Posthospitalization
Worldwide
Emergency
Cover
Cumulative
Bonus
Day Care
Treatment
Restoration Of
Sum Insured
First Year
Vaccination
New Born
Baby Cover
Health
Maintenance
Benefits
Maternity
Expenses
Deductible
Reduction
in
Maternity
Waiting
Voluntary
Co-pay
12
Premium Zone Wise
The Premium charged on the Policy will depend on the Plan, Sum Insured, Policy Tenure, Age,
Policy Type, Gender, Zone of Cover, Optional Covers and Add On Benefits opted.
To calculate premium, the country has been divided into Zone 1, Zone 2 and Zone 3.
Zone I: Mumbai, Thane & Navi Mumbai and Delhi & NCR
Zone II: Bangalore, Hyderabad, Chennai, Chandigarh, Ludhiana, Kolkata, Gujarat
Zone III: Rest of India excluding the locations mentioned under Zone I & Zone II
Identification of Zone will be based on the City of the proposed Insured Persons.
(a) Persons paying Zone I premium can avail treatment all over India without any sub limits.
(b) Persons paying Zone II premium
i) Can avail treatment in Zone II and Zone III without any Co-pay.
ii) Availing treatment in Zone I will have to bear Co-pay of 10% of each and every claim.
(c) Person paying Zone III premium
i) Can avail treatment in Zone III, without any Co-pay.
ii) Availing treatment in Zone II will have to bear Co-pay of 10% of each and every claim.
iii) Availing treatment in Zone I will have to bear Co-pay of 20% of each and every claim.
Above Co-pays will not apply for Hospitalizations due to Accidents.
13
Policy Discounts
Family Discount 10% for covering more than 2 members of the same family under a single policy
Long Term Discount 7.5% for opting a 2 year policy
Copay Discount 7.5% for opting a 10% Copay
15% for opting a 20% Copay
14
ProHealth: Waiting Periods

Pre-existing disease:
24 for Preferred & Premier Plan

36 months for Plus Plan &
48 months for Protect Plan
First 30 days WP: From policy inception date a period of 30 days will apply for hospitalization
claims except for accidents.
Two Years WP: 24 months WP will apply on specific ailments like
Cataract
Knee Replacement surgery
Urinary Stones
All type of Hydrocele
Sinusitis, Surgery on Tonsils
Gastric, Cysts, Polyps, Internal/Skin tumors, Breast lumps
Maternity Waiting Period: 48 months WP will apply unless Reduction of MWP opted in which
case it will be 24 months.
Personal Waiting Period : A Maximum of 48 months of WP can apply as per UW decision for
specific ailments as declared at the time of proposal or subsequent diagnosis during Medical
Tests.
CI Waiting Period: 90 days WP will apply on CI add on cover
15
ProHealth: Permanent Exclusions
We will not pay any claims arising out of or attributable to any of the following:
1. Genetic Disorder
2. Dental treatment.
3. Circumcision
4. Birth control procedures, contraceptive supplies and services
5. Routine medical check-up and diagnostic tests
6. AIDS and all diseases/illnesses caused by or related to HIV
7. All sexually transmitted diseases
8.Mental Illnesses
9. Aliments arising out of alcohol and drug abuse
10. Cosmetic surgery except reconstructive surgery for burns and accidents.
11. Any form of non-allopathic treatment
12.Any robotic or remote surgery
13. Any amount which falls under the deductible or co-pay
14. Non Medical Expenses Listed as per IRDA
Above List is only indicative and not exhaustive and does NOT apply to Health
Maintenance Benefits
16
Sum Insured
Protect
2.5 Lac,
3.5 Lac,
4.5 Lac
CignaTTK ProHealth Insurance Plan- Benefit Structure

Plus
Preferred
Premier
4.5 Lac,
15 Lac,
5.5 Lac,
30 Lac,
100 Lac
7.5 Lac,
50 Lac,
10 Lac
Covered up to
Covered up to Single Private
Covered up to Single Private room
Single Private room room
In-patient
Covered up to
Hospitalization Shared room
Pre Covered up to 60 days before date of hospitalisation
Hospitalization
Covered up to 90
Post
Basic
days post discharge Covered up to 180 days post discharge from hospital
Hospitalization
Covers
from hospital
Day Care
Covered up to full Sum Insured
Treatment
Domiciliary
Covered up to full Sum Insured
Treatment
Up to 2000 per
Ambulance
Up to 3000 per hospitalization event
Actual expenses paid per hospitalization event
hospitalization
Cover
event
Donor Expenses Covered upto full Sum Insured
17

Protect
Worldwide
Emergency
Cover

Plus
Preferred
Covered upto full Sum Insured
Covered upto a maximum of 10 Lacs
(once in a policy year)
Restoration Of
Available once in a policy year for unrelated illnesses in addition to the Sum Insured opted
Sum Insured
Health
Basic Maintenance
Covers Benefits
Maternity
Expenses
Premier
Reimbursement of
500
Not Available
Reimbursement of 2000
Covered upto 15,000 for normal delivery and
25,000 for C- Section per event
After a Waiting Period of 48 months
New Born Baby

Not Available
Expenses
First Year
Not Available
Vaccinations
Not Available
Reimbursement upto maximum of 15000 per

policy year
Covered upto 50,000 for normal delivery and
100,000 for C-Section per event after a waiting
Period of 48 months
Covered upto Limit under Maternity Expenses

Covered as per national immunization programme over and above Maternity Expenses
18

Protect
Plus
Preferred
Premier
Available once in 3 years for insured Available at each renewal, to all insured persons who have completed 18 years of
aged 18 or above
Age
Health CheckUp
Expert Opinion
on Critical
Available once during the Policy Year
Value illness
added
Cumulative 5% Increase in Sum Insured, maximum
10% Increase in Sum Insured, maximum upto 50%
covers
upto
50%.
Bonus
Healthy
Rewards
Not
Available
Reward Points to be earned for each year of premium paid & accumulated for 2 years. Points can also be earned for
enrolling & completing Our Online Wellness Programs. These earned Points can be used to get a discount in premium from
the 3rd Annual premium or can be redeemed aganist Health Maintanance Benefits.
19

Protect
Plus
Preferred
Premier
Deductible Options for Protect Plan Deductible Options for Plus Plan
2.5
Lac
3.5
Lac
Optional
covers
4.5 Lac
2 Lac
1 Lac
1 Lac
Deductible*
1 Lac
NA
4.5
Lac
2 Lac
5.5
Lac
2 Lac
7.5
Lac
2 Lac
Not Available
3 Lac
Not
available
3 Lac
10 Lac 3 Lac
* Voluntary Co-pay and Deductible cannot be taken under a single plan
Reduction in
Maternity
Not Available
Waiting
Maternity waiting period Reduced to 24 months
Voluntary Co- 10% or 20% voluntary co-payment for each and every claim as opted on
Not Available
Payment*
the Policy
Add on cover Critical Illness Lump sum payment of 100% of Basic Sum Insured Opted
Not
Available
Not
Available
20
What is Unique about ProHealth?
Unique about ProHealth
Restorati
on
Healthy
Rewards
Cumulati
ve Bonus
Health
Maintena
nce
Benefit
Deductibl
e
Critical
Illness
Cover
Worldwid
e Cover
Maternit
y New
Born &
Vaccinati
on Cover
22
CignaTTK ProHealth
When the basic SI is insufficient due to claims paid or accepted as payable,
the same will be restored to 100% of basic SI. This does not require the
Basic SI + CB to be exhausted completely.
Example 1:
Mr. Ram has taken an individual Protect plan for 2.5 L. Policy term 1 year.
He has already received a claim for 2.4 lac under hospitalization due to
accident. In the same policy year he is admitted to hospital for Jaundice
where the claim amount is Rs 50,000 and claim is accepted.
Under Restoration, the Basic SI will be restored to 100% to honor the
claim.
Restoration
Restoration Market Practice
Restoration benefit available with competitors only restores once the Sum
Insured + earned CB is fully exhausted. However at CignaTTK we will
restore even when the balance Sum Insured is insufficient.
23
CignaTTK ProHealth
For any claim free year, the expiring SI will be increased by 5 % (Protect plan) /
10 % (Plus & Preferred plans). The CB can accrue upto a Max of 50%.
CB will not accrue in the year in case of a claim.
Example 1:
Ms. Sheena has taken an individual Plus plan for 10 L. Policy term 2 year.
No claim is registered in the 1st Policy year. Accordingly in the 2nd Year she will
be eligible for 10% CB on Basic SI of 10L. CB accrued will be Rs.1L.
If she renews policy after expiry of 2nd year and there is no claim in the 2nd year
also. She further receives a CB of 10 % on Basic SI. So Total CB is 20% of
Basic SI (2L).
In this fashion, she will be eligible for a maximum of 50% CB.
However if there is a claim in the 2nd year, the CB bonus will remain as 10%. We
will not reduce the earned CB which is her reward. No CB will be given for 2nd
year as there is a claim.
CB will start accruing again from the year in which no claim has been made.
Cumulative
Bonus
Cumulative Bonus Market Practice

The CB benefit as available with the competitors has a reward and penalty methodology.
In case of a claim the CB is reduced in the same proportion that it is earned.
At CignaTTK we ensure that the rewards are kept intact.
24
CignaTTK ProHealth
A Deductible Plan offers the customer to bear the expenses on any claim up
to the amount of opted Deductible.
Deductible Plans will be best suited for persons with existing cover or persons
who can share part of the expenses. It enables you to top up your existing
cover with much lower premium outgo as compared to a fresh cover.
Deductible
Deductible Market Practice

In the market, for plans with deductible option the deductible limit is applied on each and every claim
admitted in the policy year.
However for ProHealth deductible amount will be applied on aggregate of all admissible claims in that
policy year.
Deductible plans available in the market are not feature rich however at CignaTTK our best plans come
with a deductible option.
25
CignaTTK ProHealth
Maternity benefit available for max of 2 deliveries/lawful terminations for
insured aged between 18-45 years.
New born baby cover provides for:

1.Medical expenses on the new born baby while the insured person is
hospitalized as in-patient for delivery
2. In-patient hospitalization expenses on the new born upto a max of 90 days
from DOB
Maternity &
New Born
Cover
First Year Vaccination:

Vaccination expenses as per NIC will be covered till the baby completes 12
months
Market Practice
Most retail plans in the market do not offer Maternity & New Born Cover. Where the plans are offered
they have a waiting period of 48 months and Vaccination costs are not payable. The Vaccination expenses
(if available in plan) is included within the maternity benefit SI.
With ProHealth we provide an option to reduce this waiting period to 24 months and cover Vaccination
expenses over and above the Maternity Sum Insured
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2013 Cigna
26
CignaTTK ProHealth
In Worldwide Emergency Cover we will reimburse Inpatient hospitalization
expenses for illness and injury outside India.
The cover will be limited to the SI of the plan and sub limit specified. Insured
can avail this benefit once in policy year.
Worldwide
Emergency
Cover
Example: Mr. Rajan has a Plus plan with SI Rs.10 L. On his trip to Malaysia
he meets with an accident and incurs $25000 (Malaysian) as Hospitalization
expenses.
He registers a claim for reimbursement of the expenses.
RBI exchange rate on the date of payment of expenses: $1 (Malaysian)=
INR. 20.
The inpatient expenses = $20000.
Total claim amount: Rs.400000
SI under the plan Rs.10L
The admissible claim amount under WWEC is Rs.4L.
Market Practice
All health policies cover only admission within India. Even where offered the
same is available for specified Critical Illnesses.
Under ProHealth the benefit is available for all kinds of emergency
treatments .
Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2013 Cigna
27
CignaTTK ProHealth
CI benefit is available as an Add on cover under Protect/Plus and Preferred

plan.
The benefit will lapse for the insured once claim is paid against a covered CI.
All other insured in the policy can avail of this benefit in current or in
subsequent renewals.
Example 1:
Mr. Raj has taken a Plus plan (floater-self & spouse) for 4.5 L with CI benefit
as an Add-on Cover. Policy term 2 years.
He claims for First Heart Attack and his claim is settled.
Mr. Raj will not be able to claim for any CI in current or subsequent years.
However he will be covered for all other benefits in the plan.
His Spouse will continue to be eligible for a CI cover of 4.5L once during the
policy period.
Critical Illness
Cover
CI benefit as in Market
Floater Policies in the marker offer Critical Illness on Floater basis, hence
once a claim is made by any one Insured Person the coverage under Critical
Illness section will cease.
At CignaTTK we will Reinstate the Sum Insured for Critical Illness for floater
policies for the 2nd Adult Insured.
28
CignaTTK ProHealth
Benefit can be used to cover costs for Diagnostic tests, drugs, prosthetics,
medical aids, prescribed by a doctor as per limit under the plan.
They can also be used for Dental Treatments and Alternative Forms of
Medicines.
Health
Maintenance
Benefit
We will connect with you to ensure that you use the benefit.
Market Practice
Most health policies do not offer any cover for such expenses. At Cigna TTK
we would like you to make sure you take care of your health even when
they are minor ailments which do not require hospital admission.
29
CignaTTK ProHealth
We motivate you to stay healthy

Reward points can be earned equivalent to 1% of premium paid for each
Policy. In addition to this reward points can be accumulated by opting for
online wellness programs available on the CignaTTK website, that will help
assess customers health status and aid in improving overall well-being.
Healthy
Rewards
Each earned reward point will be valued at 1 Rupee. Accumulated reward

points can be redeemed in the following ways
-A discount in premium from the 3rd Annual Premium
-Equivalent value of Health Maintenance Benefits from 3rd Policy Year.
Reward Programs
Currently no player offers a reward program of this nature which aims at
motivating customers to maintain a healthy lifestyle.
30
ProHealth Premium for Milestone Ages
Age 25 yrs.
Term 1 yr.
ProHealth Premium for Milestone Ages for Base Plan

Protect Plan
Plus Plan
Sum Insured
2.5Lac
3.5 Lac
4.5 Lac
4.5 Lac
5.5 Lac
7.5 Lac
10 Lac
1 Adult
(Male/Female)
3610/3170
4030/3510
4410/3810
6160/6600
6390/6780
7300/7520
7940/8040
2 Adult
5210
5850
6440
9630
9980
11370
12320
12180
12670
14590
15910
14320
14920
17250
18870
2A + 1 Kid
2A + 2 Kid
6800
7710
8540
9320
8200
10360
Preferred Plan
Premier Plan
Sum
Insured
15 Lac
30 Lac
50 Lac
100 Lac
1 Adult
(M/F)
21370/
24050
26110/
27910
28960/
30230
34640/
34840
2 Adult
31740
41150
46810
58080
2 A+1K
39180
51440
58810
73620
2A+2K
45830
60340
69070
86730
32
35 yrs.
Term 1 yr.

Protect Plan
Plus Plan
Sum Insured
2.5Lac
3.5 Lac
4.5 Lac
4.5 Lac
5.5 Lac
7.5 Lac
10 Lac
1 Adult
(Male/Female)
4210/3740
4700/4140
5130/4490
7370/7970
7640/8180
8890/9620
9680/9920
2 Adult
5930
6660
7290
11360
11750
13350
14440
14030
14560
16680
18140
16370
17020
19570
21340
2A + 1 Kid
2A + 2 Kid
7510
8950
8490
9370
10150
11240
Preferred Plan
Premier Plan
Sum
Insured
15 Lac
30 Lac
50 Lac
100 Lac
1 Adult
(M/F)
25830/
29180
31510/
33900
34920/
36730
41710/
42380
2 Adult
40990
54450
62530
78640
2 A+1K
49110
65300
75030
94770
2A+2K
56880
75530
86740
109790
33
45 yrs.
Term 1 yr.

Protect Plan
Plus Plan
Sum Insured
2.5Lac
3.5 Lac
4.5 Lac
4.5 Lac
5.5 Lac
7.5 Lac
10 Lac
1 Adult
(Male/Female)
6540/5790
7610/6700
8660/7600
13100/12360
13630/12800
16050/14870
18000/16550
2 Adult
8600
9990
11400
16060
16680
19340
21200
10230
11860
19020
19780
22970
25200
21890
22780
26450
29040
2A + 1 Kid
2A + 2 Kid
11880
13490
13750
15590
Preferred Plan
Premier Plan
Sum
Insured
15 Lac
30 Lac
50 Lac
100 Lac
1 Adult
(M/F)
36350/
35860
46860/
44810
53170/
50180
65770/
60900
2 Adult
50250
67740
78250
99210
2 A+1K
59040
79160
91260
115930
2A+2K
67940
90720
104410
132860
34
55 yrs.
Term 1 yr.
ProHealth Premium for Milestone Ages

Protect Plan
Plus Plan
Sum Insured
2.5Lac
3.5 Lac
4.5 Lac
4.5 Lac
5.5 Lac
7.5 Lac
10 Lac
1 Adult
(Male/Female)
11400/11090
13710/12130
15770/13920
22710/20420
23760/21320
28430/25390
33140/29520
2 Adult
14570
17570
20220
25350
26520
31720
35440
28520
29790
35380
39360
32380
33780
39900
44230
2A + 1 Kid
2A + 2 Kid
16000
17660
19140
21940
21050
24070
Preferred Plan
Premier Plan
Sum
Insured
15 Lac
30 Lac
50 Lac
100 Lac
1 Adult
(M/F)
50200/
46700
69440/
63450
80980/
73500
104050/
93580
2 Adult
68190
95540
111950
144730
2 A+1K
76780
106140
123780
159650
2A+2K
86430
118550
137840
177690
35
This material is not a public document and it is meant solely for internal use of CignaTTK Health Insurance Company Limited
(CignaTTK). This material shall be used solely for the training, recruitment, and education of personnel, intermediaries,
counselors, and solicitors of CignaTTK and the same shall not be used to induce the public to purchase, increase, modify, or
retain a policy of insurance.
Offered by: Connecticut General Life Insurance Company or Cigna Health and Life Insurance Company.
Cigna, the Tree of Life logo and GO YOU are registered service marks of Cigna Intellectual Property, Inc., licensed for
use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such
operating subsidiaries and not by Cigna Corporation. Such operating subsidiaries include Connecticut General Life
Insurance Company, Cigna Health and Life Insurance Company, and HMO or service company subsidiaries of Cigna Health
Corporation and Cigna Dental Health, Inc. All models are used for illustrative purposes only.
000000 00/13
2013 Cigna. Some content provided under license.
V_1.0_19/02/2014
36

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CignaTTK ProHealth Insurance

Our Philosophy & Our Strength

ProHealth A Plan That Covers You Completely

Expert Opinion on Critical

ProHealth: Basic Covers

Pre & Post Hospitalization

Day Care Treatment

ProHealth: Basic Covers

Worldwide Emergency Cover

Restoration of Sum Insured

Health Maintenance Benefit

Maternity/New Born/First Year Vaccination

ProHealth: Value Added Covers

Expert Opinion on Critical Illness

ProHealth: Optional Covers & Add-on Covers

Reduction on Maternity Waiting

Critical Illness Add on Cover

CignaTTK ProHealth Product Features

Plan Type & SI

Min Entry Age Adult

15 days from the

CignaTTK ProHealth Product Features

Premium Zone Wise

Above Co-pays will not apply for Hospitalizations due to Accidents.

ProHealth: Waiting Periods

24 for Preferred & Premier Plan

ProHealth: Permanent Exclusions

Plan Options and Benefit Structure

CignaTTK ProHealth Insurance Plan- Benefit Structure

Plan Options and Benefit Structure

CignaTTK ProHealth Insurance Plan- Benefit Structure

Covered upto full Sum Insured

Covered upto a maximum of 10 Lacs

(once in a policy year)

New Born Baby

Reimbursement upto maximum of 15000 per

Covered upto Limit under Maternity Expenses

Plan Options and Benefit Structure

CignaTTK ProHealth Insurance Plan- Benefit Structure

Plan Options and Benefit Structure

CignaTTK ProHealth Insurance Plan- Benefit Structure

Maternity waiting period Reduced to 24 months

What is Unique about ProHealth?

Unique about ProHealth

Restoration Market Practice

Cumulative Bonus Market Practice

Deductible Market Practice

New born baby cover provides for:

First Year Vaccination:

CI benefit is available as an Add on cover under Protect/Plus and Preferred

We motivate you to stay healthy

Each earned reward point will be valued at 1 Rupee. Accumulated reward

ProHealth Premium for Milestone Ages

ProHealth Premium for Milestone Ages for Base Plan

ProHealth Premium for Milestone Ages for Base Plan

ProHealth Premium for Milestone Ages for Base Plan

ProHealth Premium for Milestone Ages

2013 Cigna. Some content provided under license.

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