2. Our Mission:
To improve the health,
well-being and sense of
security of the people we serve.
Please note: The plan details in this brochure are to facilitate your understanding of our product only. It does not form a part of
the insurance contract. For more details, please contact your Cigna TTK Health Insurance Representative.
Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
3. FLEXIBLE BENEFITS.
PREMIUM SERVICE.
AFFORDABLY PRICED.
You expect the best from your employees
on an assignment in another country. And
they expect the same from you. That’s
where Cigna TTK comes in.
THE BASICS . . .
. . . and then some
You have various plan options to choose from for your
globally mobile employees. We believe global health care
plans should include more niche services and tools then
what may normally be considered as essential for locals
living and working in their home country. Cigna TTK’s
basic services and tools include:
24/7/365 Global Service Centers: Your employees will
have access to our multilingual service center
representatives and our team of medical professionals
around the clock. We have eight different Service Centers
around the world providing seamless customer service.
Extensive Global Network: Our network consists of more
than one million doctors and hospitals including:
CignaLinks®: Partnerships with local doctors, hospitals,
and insurers with the strength of local provisions and
administration
Non-U.S./India network: 220,000+ doctors and hospitals
Extensive U.S. Preferred Provider Organization (PPO):
The only insurance provider to offer a unique holistic
solution in the U.S. with access to medical, dental, and
pharmacy networks: 232,000+ dental access points in the
U.S.
- 795,000+ doctors and hospitals in the U.S.
- 74,000+ behavioral specialist locations in the U.S.
What sets us apart is our:
Expertise in delivering locally compliant plans
World-class customer service
Cost-effective and comprehensive plans
Improvement of health and well-being
Easy access to quality health care around the world
IF YOU’VE GOT IT, FLAUNT IT.
Check out these credentials
When it comes to international health care benefits, you
can trust Cigna TTK Global Health Group Policy.
Cigna TTK offers you innovative products and services
built on Cigna’s more than 35 years of experience in
global benefits and TTK’s immense healthcare
experience in India. Operating in 35 countries and
jurisdictions around the world, Cigna has expertise in
international underwriting and global medical protocols
with an emphasis on international regulatory
compliance.
The TTK Group is a household name in India. A trusted
Indian business conglomerate with its presence felt
across several segments of the industry over a span of 80
years.
At Cigna TTK Health Insurance, we prevent sickness
rather than react to it. Because we passionately believe
this is the only path to a healthy and happy life for your
employees and to a healthy bottom line for your
business. We actively help your employees focus on
their wellness and engage them in improving their
health through our various prevention and well-being
programs.
We have an extensive network of doctors and hospitals
in India in addition to Cigna’s vast global network of 1
million providers. Your employees can have access to
the full range of medical services ranging from primary
to tertiary care providing easy access to quality care
worldwide.
Cigna TTK continues to raise the bar by
providing exceptional health and well-being
plans.
Targeted Risk Assessment – Assessment covers sleep,
stress, nutrition, and physical activity. It provides an
in-depth assessment and a highly personalised report
for the individual.
Online Health Improvement Programs – Individual
online programs for sleep, stress, nutrition and physical
activity.
International Employee Assistance Program (IEAP)
– Access to confidential assistance with any work, life,
personal, or family issue. Anytime, any day, your
employees can contact us for assistance including
short-term professional counseling, resources, referrals,
and information.
Making your employees’
lives easier with
guarantees of payment.
With a single phone call, we
will assist your employees
whenever they need us most.
We will arrange for payment
directly to a hospital for
covered services, leaving your
employees to concentrate on a
speedy recovery.
Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
4. www.CignaEnvoy.com
THE BASICS . . .
. . . and then some
Cigna Envoy®: Our website (www.CignaEnvoy.com)
offers you and your employees a wide range of services
and information including:
ID Cards: View or print ID cards anytime, anywhere.
Health Care Professional Directory: Find contact
information for health care professionals and hospitals
around the world, and maps and directions for the U.S.
Cigna network of doctors.
Understanding Your Coverage: View the info you
need, from an explanation of your plan benefits.
Claims Management: Submit, monitor and track
payment on your health care claims through Cigna
Envoy.
E-Payment Plus®: Get reimbursed fast! Sign-up and
have your payments deposited directly into your
account.
What To Know When Travelling: View country
guides, drug translations, pharmacy information and
medical terms and translations
Clinical Expertise: Your employees’ health and
well-being can impact human performance. Our
clinical team includes nurses, doctors and medical
directors located around the globe to support your
employees around the clock.
In partnership with the world-renowned Cleveland
Clinic, we provide expert online medical second
opinions should someone receive a life-threatening or
life-altering diagnosis.
Expert Opinion: We offer long-term, cost-effective and
compliant solutions for you and your employees. A
client manager will be assigned to help you by
answering your questions and investigate ways to
reduce your costs. Here are some examples of how:
Medical cost containment by means of agreed fee
schedules and discounts at our comprehensive doctors
and hospitals network
Thorough and accurate claims processing
Providing easy and efficient administration
Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
5. Core Plan Benefits:
You have the choice in selecting an available standard medical
plan option that will best suit your needs. Highlights of our
standard offering include coverage for:
Inpatient/Day Care benefits
Outpatient benefits
HIV/AIDS
Out of Area Emergency
Treatment cover
…then add the features you want:
Cigna TTK gives you the ability to add a wide variety of options to
your plan, including:
Maternity Expenses
Wellness
Emergency Evacuation
Care+ Benefits - Health and
Well-being Assessment,
International Employee
Assistance Program and
Expert Second Opinions.
Dental
Vision
CIGNA TTK GLOBAL HEALTH
GROUP POLICY
Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
6. Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
Plan Benefit Structure
Hospitalization Charges for: Room
Operating theatre
Accommodation in ICU/CCU/HDU
Surgical Procedures
Surgeon and Anaesthetists Fee
Medication, Diagnostic Expenses
Surgical Appliance / Medical Appliance
Specialist / Medical Practitioner fee
Medically Necessary Termination of Pregnancy
Surgical Contraception, Sterilisation / Vasectomy
Minor Surgical Procedures
Radiology / Pathology / Physiotherapy
Pre-existing Diseases
Home Nursing Charges
Organ transplant Expenses
Parental Accommodation
Newborn Cover
AIDS/HIV
Psychiatric & Psychological Care
Private Ambulance
Out of Area 30 day cover – Emergency treatment only
International Emergency Services (available with pre-approval)
Upto ` 12000 per day Upto Private Room
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Covered from Day 1
Not Covered Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Not covered Paid in full
Paid in full
Paid in full
Paid in full
Annual Maximum Cover per member or dependant Ruby Diamond
In-patient hospitalisation including Day Care
7. Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
Out-patient Cover
Maternity Expenses Options
We Will Pay For The Following Out-patient Expenses:
Diamond
Annual Out-patient limit
`1,25,000
Annual Out-patient limit
is within the Sum
Insured of Diamond plan
100% up to `7,500 per
visit, up to 30 visits per
year
Ruby
Consultations With Medical Practitioners & Specialist
Prescribed Medicines, Drugs, Dressings & Diagnostic Tests
Complementary Treatments
This benefit includes:
Physiotherapy, Acupuncture, Chiropody, Osteopathy, Homeopathy
Non-surgical & Minor Surgical Procedures & Treatment
Hormone Replacement Therapy
Child Annual Eye & Hearing Tests
For dependant children below the age of 15 years.
Travel Vaccinations
Emergency Dental Treatment
Psychiatric & Psychological Care
Upto out-patient cover limit
Upto out-patient cover limit
Not covered
Upto out-patient cover limit
Upto out-patient cover limit
Upto out-patient cover limit
Upto out-patient cover limit
100% up to `25,000
Not covered Up to `1,00,000
Upto out-patient
cover limit
Out-patient Cover – per member or dependant
This Policy Provides Annual Coverage For Listed Maternity Expenses Basis The Option Selected.
Option I Option II Option III
Annual Limit `120,000 `600,000 `1,200,000
a Routine Or Elective Caesarean Upto maternity limit
b Complicated Pregnancy Upto maternity limit
c Pre & Post Natal Care Upto maternity limit
d Newborn cover Upto maternity limit
e Maternity Assistance &
Mid-wife Charges Upto maternity limit
f Birthing Classes Charges Upto maternity limit
8. Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
Wellness Options
This Policy Provides Coverage For Listed Wellness Tests Under Two Options:
a Routine Adult Physical Exams
b Wellness Tests For Children
- for dependant children aged 6 years or less.
c Child Immunizations
d Pap Smear
Cigna TTK will pay charges for an annual
Papanicolaou screening for women aged 35 years
and over.
e Prostate Cancer Screening
Cigna TTK will pay charges for an annual
prostate cancer screening for eligible males aged
50 years and above.
f Mammograms For Breast Cancer Screening Or
Diagnostic Purposes
This benefit includes:
• One baseline mammogram for asymptomatic
women aged 35-39;
• A mammogram for asymptomatic women aged
40-49 every two years or more if medically
necessary;
• A mammogram every year for women aged 50
years and over.
Upto wellness limit
Upto wellness limit
Upto wellness limit
Upto wellness limit
Upto wellness limit
Upto wellness limit
Option I Option II
Annual limit `15,000 `30,000
9. Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
Options Under Dental
a Class 1
Investigative & Preventative
Treatment
b Class 2
Basic Restorative,
Periodontal Treatment
C Class 3
Major Restorative &
Orthodontic Treatment
d Orthodontic Treatment for
dependant <18 years
80% of dental limit
50% of dental limit
50% of dental limit
Not covered
80% of dental limit
50% of dental limit
50% of dental limit
Not covered
100% after the
deductible
80% after the
deductible
50% after the
deductible
50% after the
deductible of `50,000
Option I Option II Option III
Annual Limit `20,000 `50,000 `100,000
Deductible - Individual NA NA `25,000
This Policy Covers Dental Treatment Under Three Options.
Options Under Vision
One eye examination per year of insurance by an
Optometrist or an Ophthalmologist.
Expenses for lens, eyeglass frames, prescription
sunglasses
Option I
Actual expenses incurred
Not covered
Option II
Actual expenses incurred
Upto `10,000
This Policy Also Provides Coverage For Vision Tests Under Two Options.
10. Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
a. Pre-existing disease Waiting Period Addition
You have an option to add a waiting period towards Pre-existing diseases/Illness/Injury until 48 months from
the date of first inception of this Policy with Us.
b. Deductible
This option allows to select any of the below Deductible.
Option-1 Rs. 15000 Option-2 Rs. 30000 Option-3 Rs. 60000
If opted for a deductible under the policy, deductible amount will apply on the sum of all admissible claims in
that policy year.
Deductible will apply on in-patient, day care, out-patient as well as maternity claims.
c. Co-pay
This option provides 20% co-pay whereby Cigna TTK will pay 80% of the claim admissible and balance
amount to be paid by you. A discount on premium is available on opting for this option.
d. Maximum limit on Out of Pocket Expenses (for employee)
This option allows to select any of the below Out of Pocket Maximum limit.
Option-1 Rs. 60000 Option-2 Rs. 90000 Option-3 Rs. 120000
If opted, the employee will bear the selected amount as the maximum limit of out of pocket expenses during
the policy year. Any amount borne under Deductible and /or Co-pay will be applied to the Out of Pocket
Maximum Limit.
This option is only available in association with a Deductible and /or Co-pay option.
Your Cost Sharing Options
11. At Cigna TTK, we work in partner-
ship with you to advise on, deliver,
and implement a wholly compliant
health care program that is specifi-
cally aligned with your global and
strategic objectives. With our wealth
of experience and global presence,
your employees can have easy access
to quality health care, and an
outstanding, high-touch, concierge-
level of support - wherever they are
in the world.
GIVE YOUR
BUSINESS
THE ADVANTAGE
Disclaimer: Insurance is the subject matter of solicitation.The plan details in this brochure is to facilitate your understanding of our product only.For more details on risk factors, terms and conditions read the sales brochure carefully before concluding the sale.Trade Logo
belongs to M/s Cigna Intellectual Property Inc. andTT Krishnamachari & Co and used by CignaTTK Health Insurance company Limited.
Section 41 - Prohibition of Rebates (under section 41 of Insurance Act, 1938) - No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or
property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with
the published prospectus or tables of the insurers. Any person making default in complying with the provision of this section shall be punished with fine, which may extend to five hundred rupees.
Cigna TTK Global Health Group Policy UIN NO.: IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15
12. To Know More:
Globalgroup@cignattk.in+91-22-6170 3737
CignaTTK Health Insurance Company Limited. Registered Office: 10th Floor, Commerz, International Business Park, Oberoi Garden City, Goregaon (East), Mumbai - 400 063
IRDARegistrationno.:151dated13thNovember,2013;GlobalHealthGroupPolicyUINNO.:IRDA/NL-HLT/CTTK/P-H/V-I/6/14-15;ComplianceControlNo.:ADVBRO/0170/Oct/14-15
Date of Release: OCT 2014 Onwards; CIN: U66000MH2012PLC227948; ISO 9001:2008 Certified.
