CignaTTK ProHealth Vs ICICI Lombard CHI

FOR INTERNAL USE ONLY.
TO BE U
Product Name
Features
Entry Age (Adult)
ICICI Lombard Comprehensive Health
Entry Age - 21 years

Maximum Entry Age
- No limit
Lifetime
Renewal Age
Age of Dependent Child (Min & Max Entry age - 91 days
Maximum entry age - 20 years
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
Yes
2/3/4/5/7/10 Lacs
1 & 2 Years
Individual/ Family Floater
Reimbursement of actual expenses/
Benefit payout for Critical Ilness &
Hospital Cash
Age Band Wise
Required for 46 years and above
Covered entirely without any sublimits

(only a sublimit for cataract applicable)
30 days
60 days
140 listed procedures in policy wordings
Not available
1500 per hospitalisation in case of
emergency
Optional cover on payment of additional
premium :
a) For Sum Insured of 1 Lac/2 Lacs Hospital Daily Cash of 500 per day .
b) For Sum Insured of ` 3/4/5 Lacs Hospital Daily Cash of ` 1000 per day .
c) For Sum Insured of ` 7/10 Lacs Hospital Daily Cash of ` 2000 per day
Critical Illness
Optional cover on payment of additional

premium : Benefit for 9 Critical Illness's
Available for Sum Insured between 3
Lacs to 10 Lacs.
Cancer, Coronary Artery By-pass Graft
Surgery, Myocardial Infarction
(Heart Attack), End Stage Renal Failure
(Kidney Failure), Major Organ Transplant,
Stroke, Paralysis, Heart
Valve Replacement Surgery and End Stage
Liver Failure
E Opinion
Recovery Grant/Convalescence
Organ Donor
Out Patient Expenses General

Out-patient dental treatment
Out Patients Pharmacy
Maternity
Pre - Existing Illness
Restoration
Worldwide Emergency Cover
Features
Claim Processing
Cumulative Bonus (No Claim)
Long Term Discount on premium
Available
Specialist e-Consultation with
One Follow-up session
Optional cover with extra premium:
10,000 for hospitalisation exceeding 10 or
more days
Optional cover with extra premium:
Reimbursement benefit of 50,000 for
organ donor expenses
Not
Not
Not
Not
available
available
available
available
After 2 years of waiting for SI above 3

Lacs (24 months)
After 4 years of waiting for Sum Insured
of 1Lac & 2Lac (48 months)
Not available
Not Available
Inhouse
10% of the annual sum insured will be
given as Additional Sum Insured per claim
free renewal, up to a maximum of 50%.
In
case of claim, CB will be reduced by 10%
of annual sum insured.
Not available
Health Check up
Co-pay / Deductible/Sublimits
One Health Check Up Coupon for

individual policy. 2 coupons for Family
floater.
Co-pay: Not Applicable.
Deductible: Option is available.
However deductible limit is not mentioned
in policy wordings or brochure.
Disease Specific
Sublimits: Available as optional benefit
and based on Sum Insured opted.
Separate Sublimit for 2/3/4/5 Lacs SI.
No Sublimit option
7/10 Lacs SI.
Renewal Special Features
Discount coupon,
Online chat with doctor,
Dietician and Nutritionist e-consultation,
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
171 listed procedures
60 days
180 days
Covered upto full Sum Insured
Upto Rs.2000/- per

hospitalization event
Upto Rs.3000/- per hospitalization

event
Not available
Not available
Max Age: 23 years
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
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
sameupto
will be
to 100%Covered
of basic upto
SI. This
require the Basic SI + CB to be exha
Covered
fullrestored
Sum Insured
full does
Sum not
Insured
completely.
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
for a 2 years policy term
No
Not available
Covered upto a maximum of
Rs.10 Lac
TPA
Not available

completed 18 years of Age.

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 ICICI Lombard CHI

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

CignaTTK ProHealth Vs ICICI Lombard CHI

Uploaded by

Copyright:

Available Formats

FOR INTERNAL USE ONLY.

ICICI Lombard Comprehensive Health

Entry Age - 21 years

Covered entirely without any sublimits

Optional cover on payment of additional

Out Patient Expenses General

Pre - Existing Illness

Long Term Discount on premium

After 2 years of waiting for SI above 3

One Health Check Up Coupon for

Renewal Special Features

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

Min Entry Age: 18 Years

Max Entry Age: No limit

Age and Zone Wise

Age and Zone Wise

In-patient hospitalization expenses

Covered upto full Sum Insured

Covered upto full Sum Insured

Upto Rs.2000/- per

Upto Rs.3000/- per hospitalization

Max Age: 23 years

Lump sum payment of full Sum

Lump sum payment of full Sum

Expert opinion available once

Expert opinion available once

Covered upto full Sum Insured

Covered upto full Sum Insured

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

Available once in a block of 3

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

Covered upto full Sum Insured

Covered upto full Sum Insured

Actual expenses paid per

Actual expenses paid per

Lump sum payment of full Sum

Expert opinion available once

Covered upto full Sum Insured

Covered upto full Sum Insured

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

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

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

You might also like