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
