Cigna TTK Lifestyle Protection-Accident Care Plan

Health Insurance Plan
  • ACCIDENT CARE INSURANCE PLAN CIGNA TTK LIFESTYLE PROTECTION-ACCIDENT CARE PLAN DESCRIPTIONMORE ABOUT CIGNA TTK LIFESTYLE PROTECTION-ACCIDENT CARE PLAN

    The Cigna TTK Lifestyle Protection-Accident Care plan provides a comprehensive coverage that safeguards your family's financial health in case of unfortunate events like accidental death or disablement including loss of employment cover and education fund benefits. Additionally, there are optional covers like Temporary Total Disablement, Burns Benefit, Broken Bones Benefit and Coma Benefit.
    • Sum insured options: You have the flexibility to choose an amount ranging anywhere from Rs 50,000 to Rs 10 Crores. Eligibility depends on your income, with the maximum being 10 times of annual income. For non-earning family members, the sum insured for spouse is limited to a maximum of 60% of the earning member and for a dependent child, parents, in-laws and siblings, it’s 30% of earning member’s sum insured.
    • Entry age & renewal: For children, the minimum age to get enrolled is 5 and maximum is 25, whereas for adults, the minimum age is 18 and maximum, 80. You can renew this plan for lifetime, which ensures that you continue to be insured even at higher ages. Coverage for policies issued to persons above 70 years will be limited to Accidental Death & Permanent Total Disability only.
    • Requirement of medical tests:  Persons above 70 years up to 80 years may be accepted subject to Medical Underwriting.
    • Deciding the premium: The premium will depend on the plan, optional covers, sum insured and policy tenure. You may choose to pay via single premium mode or annually in case of a 2 & 3 year policy term.
    • Policy period: You may choose between a 1, 2 or 3 years policy period.
    • Cover Type: You may choose to purchase the policy on an individual or family basis.
    • Relationships Covered: This policy will cover self, spouse, dependent parents and dependent parents in-laws in addition to dependent children and dependent siblings up to the age of 25 years.
    • Family discount: There will be a 10% discount on the premium amount for enrolling more than 2 family members under a single policy.
    • Long Term discount: There will be a 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy
    • Claims Payout: Under this policy, fixed benefit amounts will be paid as specified in the applicable benefits in accordance with the terms and conditions.

     

    Cigna TTK Lifestyle Protection-Accident Care is available under three plan options:

     

    Plan A – Basic Cover

    • Accidental Death
    • Emergency Ambulance Cover
    • Funeral Expenses

    Plan B – Enhanced Cover

    • Accidental Death
    • Permanent Total Disablement
    • Education Fund
    • Emergency Ambulance Cover
    • Funeral Expenses

    Plan C – Comprehensive Cover

    • Accidental Death
    • Permanent Total Disablement
    • Permanent Partial Disablement
    • Education Fund
    • Emergency Ambulance Cover
    • Orphan Benefit
    • Loss of Employment
    • Funeral Expenses

    You also have Optional Covers to supplement coverage under all the plans:

    • Temporary Total Disablement
    • Burns Benefit
    • Broken Bones Benefit
    • Coma Benefit
  • ACCIDENT CARE INSURANCE PLAN BENEFITSCIGNA TTK LIFESTYLE PROTECTION-ACCIDENT CARE PLAN BENEFITS, EXPANDED.

    • Accidental Death

      You will receive 100% of sum insured in case of accidental death and 200% of sum insured if death occurs while traveling as a fare paying passenger on a common carrier.

    • Broken Bones Benefit

      You will receive a lump sum payment as per policy terms in the event of fracture of bones due to an accident.

    • Burns Benefit

      On suffering from burns due to accident you will receive 10-100% of sum insured, depending on the degree of burns.

    • Coma Benefit

      You will receive 25% of the sum insured as lump sum in the event of suffering from a Coma due to accident.

    • Education Fund

      We want your child’s education go on unaffected even in your absence or in case permanent disability. So, you will receive a one-time payment equal to 10% of sum insured per surviving dependent child for a maximum of 2 children subject to a limit of Rs.10 lakhs per policy.

    • Emergency Ambulance Cover

      You will receive a lump sum amount (maximum up to Rs.10,000 based on sum insured selected by you) for transportation expenses on emergency ambulance services.

    • Funeral Expenses

      You will receive a one-time payment of Rs.5000 for sum insured up to 50 lakhs and Rs.10,000 for sum insured above Rs 50 lakhs towards funeral or cremation expenses.

    • Loss of Employment

      We want you to be financially independent even at times of permanent total or partial disablement due to accident. So, you will receive a basic monthly income for 3 months, based on your last salary slip or income tax return as applicable.

    • Orphan Benefit

      We understand the financial turmoil your family may encounter in case of accidental death of parents, so you will receive an amount equal to the sum insured towards dependent child as ‘orphan benefit’.

    • Permanent Partial Disablement

      You will receive up to 100%of coverage amount, depending on the nature of accidental disability.

    • Permanent Total Disablement

      You will receive 100% of sum insured in case of permanent total disability due to accident. In the occurrence of permanent disability while traveling as a fare paying passenger on a common carrier, 200% of sum insured will be paid.

    • Temporary Total Disablement

      You will receive a weekly benefit of 1 % of Sum Insured (following an accident), subject to a maximum of Rs.25,000 per week up to 100 weeks, with respect to any one Injury.

  • ACCIDENT CARE INSURANCE PLAN KEY FEATURESCIGNA TTK LIFESTYLE PROTECTION-ACCIDENT CARE PLAN KEY FEATURES, EXPANDED.

    • Key Exclusions

      We will not pay any claims arising out of or attributable to any of the following: • Any pre-existing condition or disability arising out of pre-existing diseases • Suicide, intentional self-injury, acts of self-destruction • HIV/AIDS and its complications • Genetic disorders • Mental disorders • Drug abuse • Persons engaged in hazardous activity unless specifically covered The above list is only indicative and not exhaustive. Please refer to the policy terms and conditions for complete details.

    • Cancellation

      You can place a request for cancellation any time during the term of the policy; premium refund will be on short period basis.

    • Free Look In Period

      We understand your need to try something out, before trusting it completely. Hence, a period of 15 days from the receipt of the policy document is available to you, for reviewing the terms and conditions of the concerned policy. If you choose to, you may cancel the policy by stating the reason for cancellation. If there are no claims in the policy, we will refund the premium paid by you.

    • Grace Period

      There is a grace period of 30 days for renewal of a single premium policy from the date of expiry.

    • Policy Termination

      Coverage under this Policy shall automatically terminate for an Insured Person upon payment of a benefit equal to the total Sum Insured or upon death of an Insured Person. Wherever the benefit paid is partial in nature the policy shall continue for the balance Sum Insured in respect of that Insured Person.

    • Portability

      You can port your existing personal accident insurance policy to Lifestyle Protection Accident Care policy, provided you are covered under an Indian Health Retail policy from a non- life insurance company.

    • Revival Period

      For installment premium policies, the revival period shall be 15 days.