What is Global Health Group Policy?

The policy is designed for health needs of the globally mobile population and their families whilst working/ travelling for work overseas. A Corporate can purchase this policy for their employees and dependents. The Policy will be available as a Group Cover.

What covers are available under the policy?

The policy broadly covers medical expenses under:

Basic Covers:

o In-patient hospitalization and Day Care expenses
o Out Patient Expenses

Optional Covers:

o Pre-existing disease Waiting Period Addition
o Deductible
o Co-pay
o Maximum limit on out-of pocket expenses
o Maternity expenses
o Wellness benefit
o Dental
o Vision

What are the plan options and coverage amount available?

The Policy offers two plans–Ruby and Diamond with Sum Insured options as indicate below

Plan Name Sum Insured Options
Ruby ₹ 5000000
₹ 25000000
Diamond ₹ 15000000
₹ 30000000
₹ 45000000
₹ 60000000
₹ 90000000
₹ 120000000

Can I go anywhere in the world for treatment?

Cigna TTK Global Health Group Policy offers below areas of cover:


o India, Africa, Middle East, Oceania, Asia (excluding China, Hong Kong, Singapore, Japan, Taiwan)
o India, Europe, Canada, Latin America, Caribbean
o Worldwide Excluding United States
o Worldwide Including United States*

*For 'Worldwide Including US', a minimum Sum Insured of Rs. 25000000 must be selected.

Will I be able to cover my parents in this policy?

Only employee, spouse and dependent children can be covered under the policy.

Is new born child covered under the policy?

We will pay the reasonable and customary charges towards hospitalization Expenses for a baby who is within the first 30 days of its life following delivery. Following the 30 day new born benefit period the child will be required to be covered under the policy by way of addition of dependent all premiums due being paid.

How do I get treatment?

When you need treatment in India, please call CignaTTK Helpline (Tel. 1800 102 4462) and they will refer you to the most appropriate provider for your condition and location. This must be done at least 3 days in advance for planned hospitalization or within 48 hours of hospitalization in case of emergency admission.


If for any reason, such as an emergency, this isn't possible, contact us as soon as you can after treatment so we can confirm that all following specialist treatment is covered by your plan. We will, of course, cover the cost of your General Practitioner or initial specialist consultation, along with any prescribed medication without prior approval having been obtained, providing the treatment is covered by your plan.


For queries related to claims and coverage of treatment outside of India contact Cigna 24 Hour Global Helpline Number: 0044 1475 788 594 (UK number).

For queries related to claims and coverage of treatment in United States contact Cigna 24 Hour Global Helpline Number: 1 800 768 1725.

How do I find my nearest hospital, clinic or doctor?

To assist you choosing a provider in India, Cigna TTK has created a provider directory of pre-screened hospitals across India, available on www.cignaenvoy.com.


For members who are on our World wide area coverage including United States and wish to access treatment in the United States of America, Cigna TTK has a preferred provider organization (PPO) network. Full details of the Cigna TTK provider directory can be found by accessing our member portal. (www.cignaenvoy.com).


Alternatively, you can contact our customer service team who will be happy to assist you in locating a provider.

How can I contact you if I want to discuss my treatment plan?

If you need to speak to us about your treatment plan, contact our Customer Care Team who can direct your call to a Cigna TTK healthcare professional.

What is the minimum and maximum age at entry?

Minimum age of entry for a member and dependent spouse/partner – 18 Years.

Maximum age of entry – 75 years (Individual post 65 years will be added subject to Underwriting decision . Dependent Children can be covered from day 1 of birth up to 25 years of age.)

Do I need to pay for treatment upfront?

Wherever possible we will arrange to pay your hospital, clinic or doctor directly. For non-network hospitals you can pay and send the bills along with claim form for re- imbursement. However, if you have chosen a deductible / Co-Payment, you must pay this amount yourself.

Are treatments less than 24 hours covered under the policy?

Less than 24 hours treatment can be covered under Day-Care treatment. For treatment in India, a list of procedures covered is included in the policy terms and conditions.

What do I need to know before making a claim?

You must call us before getting treatment. We can help you find the most appropriate hospital, clinic or doctor near you and arrange to pay them directly - saving you the cost and hassle of paying for it yourself and claiming back from us later.


We will, of course, cover the cost of your general practitioner or initial specialist consultation, along with any prescribed medication without prior approval having been obtained, providing the treatment is covered by your plan.


In most cases, your hospital, clinic or doctor will invoice us directly. However, sometimes they may give you the invoice after treatment. If this happens, simply send the invoice with a claim form to us and we'll pay them.


If you've chosen to apply any deductibles to your plan, you'll need to pay this amount to your hospital, clinic or doctor yourself.


If for any reason, such as an emergency, you can't call us before getting treatment, you'll need to pay for your treatment yourself and send your invoice and claim form to us. We'll reimburse you, less any deductibles / Co-payment (if applicable).

How do I download a claim form?

You'll find full details on how to get treatment, how to make a claim and copies of claims forms in your welcome pack. You can also download claims forms from our website.(www.cignattkinsurance.in).

How can I get reimbursed for my claim?

If you've paid for your treatment yourself, simply complete a claim form send across to us via post or email with your invoices. If document is shared via email, ensure you keep the originals in case we may need to see it later.


Please note for Claims incurred in India, you are required to submit original copies.


We provide many reimbursement options such as:

o Electronic transfer of funds into your bank account*.
o Cheque mailed to nominated address.
o Multi-Currency claims payment

*Please note that payments made within Europe will be processed more efficiently by the receiving bank if you provide IBAN and SWIFT numbers for your transfer.

How do deductibles work?

When you create your tailored plan, you have the option of adding deductibles. If, for example, you can choose a deductible of Rs.60,000, you'll need to pay the first Rs. 60,000 of a covered claim or covered claims in any period of cover directly to your hospital , clinic or doctor at the time of treatment. So if your treatment costs are Rs. 1,20,000, you'll need to pay Rs. 60,000, and we'll pay the remaining Rs. 60,000 of covered costs. If a deductible is chosen, you would only have to pay this once during any period of cover irrespective of the number of claims.

What is co-pay and maximum limit on out of pocket expenses option?

Policy provides an option of 20% co-pay. Co-pay is the percentage of every claim you will pay.Out of pocket maximum is the maximum amount you would have to pay in cost share per policy year

Illustration

  • You have a claim value of Rs. 200,000
  • You have a Rs. 30,000 deductible on your policy.
  • You have a 20% co-pay and Rs. 60,000 out of pocket maximum.
  • We would pay Rs. 1,40,000.

How this is calculated?

After you paid your deductible of Rs. 30,000, your co-pay is 20% of 1,70,000 (34,000). This (34000+30000) is more than your out of pocket maximum, so you would only pay maximum 60,000 for the cost share and we cover the remaining 1,40,000.

Will copayment add-on be applicable for optional covers as well?

Copayment will not apply to Wellness, Dental and Vision option.

Will pre-existing conditions be covered by my plan?

Yes, pre-existing diseases will be covered from day 1 unless Pre-existing disease Waiting Period Addition option is selected to add 48 months waiting period.

Am I covered for dental treatment?

Our Global Health Group policy provides cover for core benefits, such as emergency dental cover in the event of an accident that requires you to have treatment in a hospital. If you are looking at an exhaustive dental cover, choose our Dental option and enjoy access to a wide variety of preventative, routine, major and orthodontic treatments.

Am I covered for inpatient treatment?

Yes you are. Inpatient treatment is included as standard benefit within our basic cover. It covers you for treatment received as an inpatient when staying overnight in hospital, or when receiving treatment at hospital as a day care.

Am I covered for outpatient treatment?

CignaTTK Global Health Group policy covers you depending on the plan type for selected outpatient costs such as consultations with medical practitioners & specialist, prescribed medicines, drugs, dressings & diagnostic tests, Complementary treatments - Physiotherapy, Acupuncture, Chiropody, Osteopathy, Homeopathy, Non-surgical & minor surgical procedures & treatment, Hormone Replacement therapy, Child Annual Eye & Hearing tests, Travel Vaccinations, Emergency Dental treatment, Psychiatric and Psychological Care.

Is my membership card a credit or payment guarantee card?

No. The membership card is purely a means of identifying you. It has no payment capabilities. You should contact the Cigna TTK Helpline on +44 (0) 1475 788 594 for payment guarantees or queries outside India and 18001024462for any cashless access or claim related queries within India.

Will my spouse and children be covered?

Yes. Providing your company has agreed to include them under your cover.

When do I use my Cigna TTK membership card?

Your Cigna TTK card should be used when accessing treatment within in-network providers.

Can I choose the medical provider of my choice?

Yes, however if you contact the Cigna TTK helpline before treatment they will assist in arranging payment directly to the medical practitioner.

Will coverage under Global Health Group policy be valid incase the respective country mandates specific health coverage?

The Global Health Group policy that you possess through the employment contract covers all hospitalization, day care and out-patient medical expenses including international medical emergency expenses and valid for the area of cover selected. Also the health insurance is valid for all Schengen countries. However it is always prudent to check the health care rules and regulations during stay at a foreign location.

Whom to contact in case of E-pack not received?

The policy e-pack is sent to the registered email address in our records. In a rare scenario of not receiving the same, kindly call us at our Toll Free (India): 1-800-10-24462. The International number is 0044 1475 788594. You can also email us at indiaglobalgroup@cignattk.in.

Will emergency medical evacuation and repatriation to country of domicile or work location benefit be available in case of pregnancy?

Any medical emergency related to pregnancy resulting in medical evacuation and repatriation will be covered to the point of transport only including the onward and return journey.

Medical expenses related to maternity will be only if optional maternity expenses benefit is added to the policy.

How to get changes done in the policy?

Any change or alteration will be effective or valid after approved in writing which will be evidenced by a written endorsement, signed and stamped by us. All endorsement requests will be made by the Group Policy Holder only.