Tata AIG Health Insurance vs Cigna TTK Health Insurance

This year, the impact of COVID-19 led to an increase in the demand for health insurance covers. Health insurance provides all-round coverage when a health crisis strikes. In such times, it works as a financial cushion so that you don’t have to dip into your hard-earned savings. A health insurance policy from trusted insurance providers like Tata AIG Health Insurance and Cigna TTK Health Insurance will give you the coverage you need, with all requisite features and within the budget you want. 

Tata AIG Health Insurance versus Cigna TTK Health Insurance – Overview 

Parameter Tata AIG Health InsuranceCigna TTK Health Insurance
Number of health insurance plans1111
E-servicesPolicy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support Policy salePolicy renewalClaim settlement Branch locatorOnline consultation24x7 customer support 
Branches90+47
Claim settlement ratio78.93%89.50%
Cashless claim settlement time Within 4 hoursWithin 2 hours
Hospital network5,800+ 6,500+ 

Source: IRDAI Annual Report 2018-19

Health Insurance PoliciesTata AIG Health Insurance versus Cigna TTK Health Insurance 

Tata AIG Health Insurance offers 11 health insurance policies to cover the needs of individuals, families, senior citizens and corporate groups. Their policies provide coverage for maternity needs, critical ailments, accidents and COVID-19; among other health issues. 

Cigna TTK Health Insurance, also known as Manipal Cigna Health Insurance offers 11 insurance policies. These policies cover the needs of individuals, families, senior citizens, and corporate groups. They provide coverage against critical illnesses, accidents, and COVID-19, among other health problems.   

Below is a comparison of three trusted health policies of Tata AIG Health Insurance and Cigna TTK Health Insurance companies. 

Critical Illness Policy: 

Tata AIG’s Critical Illness Policy offers: 

  • Coverage for 12 critical ailments like first heart attack, cancer, stroke, kidney failure, etc.
  • Lump-sum payment of the sum insured (SI) upon diagnosis of first critical ailment 
  • A SI amount up to Rs.15,00,000
  • Coverage for a second medical opinion

Cigna TTK Critical Illness Policy offers:

  • 2 sub-plans – Critical Care Basic and Critical Care Enhanced 
  • A SI amount up to Rs.25,00,00,000 (25 crore)
  • Coverage for 15 critical ailments (Basic plan) and 30 critical ailments (Enhanced plan) 
  • Coverage for ailments like cancer, coma, permanent paralysis, first heart attack, etc.  
  • Lump-sum or staggered payment of SI upon diagnosis of critical ailment 
  • Coverage for a second medical opinion
  • Access to online wellness programs 

Personal Accident Policy: 

Tata AIG offers 7 accident insurance sub-plans: 

  • Accident Guard Policy 
  • Accident Shield
  • Injury Guard Policy 
  • Secured Future Plan
  • Maha Raksha – Personal Injury Policy
  • Secured Income High Policy
  • Income Guard Plan

These plans provide:

  • A sum insured (SI) amount up to Rs.1,00,00,00 (one crore)
  • Compensation in case of accidental death, permanent total and partial dismemberment 
  • Weekly benefit in case of temporary total dismemberment 
  • A child education benefit 
  • Reimbursement of expenses incurred to modify vehicle/ house in case of accidental disability 
  • Repatriation expenses 
  • Reimbursement of transportation expenses for family members in case of policyholder’s hospitalization more than 150kms from his/ her location of residence 

Cigna TTK Personal Accident Policy offers:

  • A sum insured (SI) amount up to Rs.10,00,00,000 (10 crore)
  • 100% Lump-sum payment of SI on accidental death and permanent total disability
  • Up to 100% payment of SI on permanent partial disability
  • A weekly benefit of up to Rs.25,000 per week for 100 weeks 
  • A child education benefit (10% of SI)
  • Payment of an amount equal to the SI as an orphan benefit
  • Financial support in case of loss of employment for 3 months (an amount equal to the policyholder’s monthly income)
  • Coverage for ambulance costs (up to Rs.10,000)

Corona Kavach Policy: 

Tata AIG Corona Kavach Policy offers: 

  • Reimbursement of pre, post and in-patient hospitalization expenses 
  • Reimbursement of expenses incurred for AYUSH treatment and home care treatment 

Cigna TTK’s Corona Kavach Policy offers: 

  • A SI amount up to Rs.5,00,000
  • Coverage for in-patient hospitalization expenses
  • Coverage for AYUSH treatment and home care treatment 
  • Indemnification of pre and post hospitalization charges
  • 5% discount on the premium rate to healthcare workers
  • Coverage for ambulance charges (up to Rs.2000 per hospitalization) 

This Tata AIG Health Insurance and Cigna TTK Health Insurance comparison guide will help you pick a provider offering you the best benefits. 

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