CignaTTK ProHealth Vs Star Comprehensive

FOR INTERNAL USE ONLY.
TO BE U
Product Name
Features
Entry Age (Adult)
Star Comprehensive
Entry age - 18 years
Maximum entry age - 65 years
Lifetime
Renewal Age
Age of Dependent Child (Min & Max Child above 5 months covered if Parent is
covered
Entry Age) for Floater
Dependent Parents Covered
Sum Insured Options
Tenure ( Years)
Policy type - (Individual / Floater)
Plan payout basis
Premium Band
Medical Test Requirement
Coverage
Hospitalisation
Pre Hospitalization
Post Hospitalisation
Day care Treatment
Domiciliary hospitalization
Ambulance Charges
Hospital Cash Allowance
Critical Illness
No
5 Lac/ 7.5 Lac/ 10 Lac/ 15 Lac/ 20 Lac/ 25
Lac
1 Year
Family Floater
Reimbursement of actual expenses /
Benefit for Hospital Cash only
Age Band Wise
Medicals required for persons above 50
years
In-patient hospitalization covered as per

actual.
Room rent (single a/c
room) as per actual
30 days
60 days
101 listed procedures
Not available
Min - Rs.2000/Rs.5000/- as per SI selected
Max -
Min - Rs.500/Max - Rs.1500/ per day as per

plan selected, 7 days per occurance and
maximum 120 days per policy period
Not available as a lump sum benefit
E Opinion
Not available
Recovery Grant/Convalescence
Organ Donor
Not available
Not available
Out Patient Expenses General

Out-patient dental treatment
Not available
Min - Rs.5000/Max Rs.10000/- covered as per SI selected.
Available once in a block of 3 years.
Out Patients Pharmacy

Maternity
Not available
Normal delivery - Rs.10K to Rs.25K as per
SI selected
Caesarean delivery Rs.15K to Rs.40K as per SI selected.
New Born baby cover - Rs.50K to
Rs.1Lac as per SI selected
Vaccination cover - Rs.1000 for all SI.
Pre - Existing Illness

Restoration
Worldwide Emergency Cover
Features
Claim Processing
Cumulative Bonus (No Claim)
Long Term Discount on premium

Health Check up
after 4 years of waiting (48 months)

Restoration benefit available after full
exhaustion of basic SI.
Not available
Inhouse
Bonus calculated at 50% of SI for 5 L Sum
Insured following a claim free year.
Maximum bonus upto 100%. Bonus will be
reduced by same percentage of 50% in
case of claim.
For SI of 7.5L
and above, bonus will be allocated as
100% of SI. Similarly for a claim, the
bonus will be reduced by 100 %.
Not available
Available after every 3 claim free years
Co-pay / Deductible/Sublimits
Renewal Special Features
Co-pay of 10% for insured above 60 years
No Special Renewal Feature
USE ONLY. TO BE USED FOR TRAINING PURPOSE. NOT TO BE CIRCULATED TO CUSTOMERS.

ProHealth Protect
ProHealth Plus
Min Entry Age: 18 Years
Lifetime
Max Entry Age: No limit
Lifetime
Min Entry Age: 91 days
Yes
Rs. 2.5 Lac/3.5 Lac/ 4.5 Lac
Yes
Rs. 4.5 Lac/5.5 Lac/7.5 Lac/10 Lac
1 year/2 year
Individual & Family Floater
Reimbursement of actual
expenses / Benefit payout for
Critical Illness
1 year/2 year
Reimbursement of actual expenses
/ Benefit payout for Critical Illness
Age and Zone Wise

Medicals required for insured
aged 46 years & above
Age and Zone Wise

SI 4.5 Lac/ 5.5 Lac/ 7.5 Lac Medicals required for insured aged
46 years & above
SI 10 Lac - Medicals
required for insured aged 41 years
and above
In-patient hospitalization
expenses as per actual.
Room rent (shared room) as
per actual
In-patient hospitalization expenses

as per actual.
Room
rent (single private room) as per
actual
60 days
90 days
Covered upto full Sum Insured
60 days
180 days
Upto Rs.2000/- per

hospitalization event
Upto Rs.3000/- per hospitalization

event
Not available
Not available
Lump sum payment of full Sum

Insured if opted

Insured if opted
Expert opinion available once

during policy year for each
insured

during policy year for each insured
Not available
Not available
Max Age: 23 years
Rs.500/- available to redeem

against OPD expenses
Rs.2000/- available to redeem

against OPD expenses
Not available
Covered upto 15,000 for normal

delivery and 25,000 for CSection per event after a waiting
period of 48 months
New Born baby
cover also available Vaccination
expenses is covered over & above
Maternity SI
Pre-existing disease covered

after 48 months
Pre-existing disease covered after

36 months
When the basic SI & earned cumulative bonus is insufficient due to claims paid or accepted as pa
the same will be restored to 100% of basic SI. This does not require the Basic SI + CB to be exha
completely.
Covered upto full Sum Insured Covered upto full Sum Insured
TPA
5 % increase in Sum Insured
maximum upto 50 %.
No reduction in SI in case of a
claim
TPA
10 % increase in Sum Insured maximum upto 50 %.
reduction in SI in case of a claim
7.5% for a 2 years policy term

Available once in a block of 3
Available at each renewal, to all
years for all Insured persons
insured persons who have
who have completed 18 years of completed 18 years of Age.
age.
Co-pay: Options to choose

between 10% and 20%
copayment for each and every
claim
Sum Insured - Deductible
options
2.5 Lac - Not Availble
3.5 Lac - 1 Lac
4.5 Lac - 1 Lac/ 2 lac
Mandatory
Co-pay of 20% for insured aged
65 years & above.
Co-pay: Options to choose between

10% and 20% copayment for each
and every claim
Sum Insured - Deductible options
4.5 Lac - 1 Lac/ 2 Lac
10 Lac - 3 Lac
Mandatory Copay of 20% for insured aged 65
years & above.
Reward Points to be earned for each year of premium paid and accumulated for 2 years. Rewards
completing Our Online Wellness Programs. These earned Reward Points can be used to get a disc
Premium OR they can be redeemed for equivalent value of Health Maintenance vouchers.
CULATED TO CUSTOMERS.
18 Years
ProHealth Preferred
ProHealth Premier
Max Entry Age: No limit
Lifetime
e: 91 days
Max Age: 23 years
Lifetime
Yes
Rs. 15 Lac/30 Lac/ 50 Lac
Yes
Rs. 100 Lac
1 year/2 year
Critical Illness
1 year/2 year
Critical Illness
Age and Zone Wise

Medicals for all age group
Age and Zone Wise

Medicals for all age group
In-patient hospitalization expenses In-patient hospitalization

as per actual.
Room
expenses as per actual.
rent (single private room) as per
Room rent (single private room)
actual
as per actual
60 days
180 days
60 days
180 days
Actual expenses paid per

Actual expenses paid per

Not available
Not available

Insured if opted
Not available

during policy year for each insured during policy year for each
insured
Not available
Not available
Covered upto 1% of Sum Insured subject to maximum of 15000 per

policy year
Covered upto 50,000 for normal

delivery and 100,000 for CSection per event after a waiting
Period of 48 months
New Born baby cover
also available Vaccination
expenses is covered over & above
Maternity SI
Covered upto 50,000 for

normal delivery and 100,000
for C-Section per event after a
waiting Period of 48 months
New Born baby cover also
available
Vaccination expenses is covered
over & above Maternity SI
Pre-existing disease covered after 24 months
due to claims paid or accepted as payable,

require the Basic SI + CB to be exhausted
Covered upto a maximum of Rs.10
Lac
TPA
red maximum upto 50 %.
a claim
No
for a 2 years policy term

completed 18 years of Age.
Not available
Covered upto a maximum of
Rs.10 Lac
TPA
Not available

completed 18 years of Age.
Co-pay/Deductible - Not available
Co-pay/Deductible - Not available
Mandatory Co-pay of 20% for

insured aged 65 years & above.
Mandatory Co-pay of 20% for

insured aged 65 years & above.
nd accumulated for 2 years. Rewards can also be earned for enrolling and
ward Points can be used to get a discount in premium from the 3rd Annual
Health Maintenance vouchers.

CignaTTK ProHealth Vs Star Comprehensive

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FOR INTERNAL USE ONLY.

In-patient hospitalization covered as per

Min - Rs.500/Max - Rs.1500/ per day as per

Out Patient Expenses General

Out Patients Pharmacy

Pre - Existing Illness

Long Term Discount on premium

after 4 years of waiting (48 months)

Renewal Special Features

Co-pay of 10% for insured above 60 years

No Special Renewal Feature

USE ONLY. TO BE USED FOR TRAINING PURPOSE. NOT TO BE CIRCULATED TO CUSTOMERS.

Max Entry Age: No limit

Age and Zone Wise

Age and Zone Wise

In-patient hospitalization expenses

Upto Rs.2000/- per

Upto Rs.3000/- per hospitalization

Lump sum payment of full Sum

Lump sum payment of full Sum

Expert opinion available once

Expert opinion available once

Max Age: 23 years

Rs.500/- available to redeem

Rs.2000/- available to redeem

Covered upto 15,000 for normal

Pre-existing disease covered

Pre-existing disease covered after

7.5% for a 2 years policy term

Co-pay: Options to choose

Co-pay: Options to choose between

Max Entry Age: No limit

Age and Zone Wise

Age and Zone Wise

In-patient hospitalization expenses In-patient hospitalization

Actual expenses paid per

Actual expenses paid per

Lump sum payment of full Sum

Expert opinion available once

Covered upto 1% of Sum Insured subject to maximum of 15000 per

Covered upto 50,000 for normal

Covered upto 50,000 for

Pre-existing disease covered after 24 months

due to claims paid or accepted as payable,

for a 2 years policy term

Available at each renewal, to all

Co-pay/Deductible - Not available

Co-pay/Deductible - Not available

Mandatory Co-pay of 20% for

Mandatory Co-pay of 20% for

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