Customer Satisfaction Reviews of Cigna Health Insurance

We all wish to live a healthy life. But our current living environment, internal as well as external, does not promote a disease-free existence. Rising price of healthcare is not making matters any easy either. 

But, more and more people are becoming health conscious these days. Investing in medical insurance for themselves and their family is just one method of being proactive about their health needs. 

Besides providing a financial cover for medical emergencies, it also gives tax benefits! 

Overview

Health policies by Cigna TKK Insurance are tailor made to suit your personal as well as your family’s requirements. 

They have been in the healthcare industry for the past 200 years, and their plans provide for you and your family comprehensively during medical emergencies. 

Their policies are divided into the following broad categories:

• ProHealth Insurance,
• Lifestyle Protection,
• Global Group Health Insurance,
• ProHealth Cash. 

Why Should You Buy Cigna ProHealth Insurance?

ProHealth Insurance offers wide-spread coverage under 4 different classifications. 

1. Insurance Protect

It’s a comprehensive health plan that covers expenses incurred 60 days before, during, and 60 days after, hospitalization. 

This plan also includes domiciliary and day-care treatments. Pharmacy charges, per hospitalization ambulance charges of up to Rs.2,000, consultation, and an international emergency cover, are all part of the policy.

	Minimum	Maximum
Sum Assured	Rs.250,000	Rs.450,000
Entry Age	91 days	None

2. Insurance Plus

This policy is specially crafted to tackle complex health conditions. It also provides maternity benefits which include expenses for the newborn and vaccinations. 

There is also a discount of 10% on the premium if 2 or more family members are covered under the plan. 

Expenses incurred 60 days before and 180 days after the hospitalization and a maximum of Rs.3,000 as ambulance charges are included as well.

	Minimum	Maximum
Sum Assured	Rs.450,000	Rs.1,000,000
Entry Age	91 days	None

3. Insurance Preferred

This medical plan provides an international emergency cover for a maximum of Rs.1,000,000. 

Its other features include free medical check-up on every renewal, yearly benefits of Rs.15,000 for health maintenance, covers 100% ambulance charges, 60 days pre-hospitalization, and 180 days post-hospitalization expenses. 

	Minimum	Maximum
Sum Assured	Rs.1,500,000	Rs.5,000,000
Entry Age	91 days	None

4. Insurance Premier

This plan provides a massive cover of a maximum of Rs.1Cr and an international emergency cover of up to Rs.1,000,000! 

It covers pharmacy charges, maternity, newborn and their vaccination expenses, consultation charges, diagnostic tests, total ambulance charges, expenses incurred 60 days prior to and 180 days after hospitalization, and many such benefits.

	Minimum	Maximum
Sum Assured		Rs.10,000,000
Entry Age	91 days	None

Why Should You Buy Cigna Lifestyle Protection Insurance?

This plan provides protection under two main categories; Critical Care, and Accident Care. 

1. Critical Care Insurance

To secure you financially against your fight with a critical illness, this health policy option from Cigna TTK covers you from your initial diagnosis onwards. 

15 critical illnesses are covered under its Basic program, and 30 critical illnesses are part of its Enhanced program. 

The Critical Care plan lets you choose whether you would like a lump sum payment or would want to opt for a staggered payout of your claim. 

It does not cover ambulance or pre and post hospitalization expenses. 

	Minimum	Maximum
Sum Assured	10 X Annual Income	Rs.30,000,000
Entry Age	18 years	65 years

2. Accident Care Insurance

This plan of Cigna Health covers you and your family in the event of death, disability, or loss of a job because of the accident. 

This health plan is designed to take care of the orphaned child by providing it with other benefits along with an education fund! 

It offers several cover options that provide for you, your spouse, your dependent parents and in-laws. 

Dependent children and dependent siblings are included till they reach 25 years. 

	Minimum	Maximum
Sum Assured		Rs.30,000,000
Entry Age	Children: 5 years Adults: 18 years	Children: 25 years Adult: 80 years

 Why Should You Buy Cigna Global Group Health Insurance?

This medical policy is designed to protect a frequent international traveller against any untoward medical emergency abroad. 

They have two options; Ruby and Diamond. These plans provide more than a million medical services internationally for Indians travelling for work or working abroad, and their dependents. 

Under these plans, a patient is covered irrespective of his duration of treatment. It could be day-care, outpatient, or inpatient requirements. 

Unlike other health plans out there, Cigna Health’s International Group Cover provides for HIV/AIDS as well. 

It also gives an emergency cover for being ‘Out Of Area’ and evacuation! 

Why Should You Buy Cigna ProHealth Cash?

This plan from Cigna provides you with an extra daily hospital cash advantage. And this is beyond your existing cash benefit provided by your health cover. 

The limit for daily extra cash advantage is set at Rs.5,000. 

This health policy allows you to opt for the type of cover you want from their Basic and Enhanced options. 

You may like to read : Compare health insurance while buying from Tkk Health Insurance

Cigna Health Insurance reviews state that Cigna TTK provides comprehensive coverage for all kind of medical emergencies local as well as abroad. 

It has a wide network of doctors, a simple claim process, customer portal where you can manage your health routine as well as seek information about a doctor or medicines, and check for claims, etc., wellness programs, facilitates in home-care and home-delivery of medicines, health savings account, and more. 

The only limitation is that as of now it has a presence in only 12 Indian states and does not have short-term cover plans.