Press Releases

Cigna TTK Health Insurance launches Pioneering Health Saving product solution- ‘ProHealth Accumulate’

ManipalCigna  - 19 April 2016

India’s very first Personal Health Wallet that GROWS into a health reserve for future healthcare needs

  • One- of- its- kind plan that covers an array of non-payable claim components. You can use this plan to pay for dental, vision, doctor consultations and other medical expenses.
  • This Personal Health Wallet” that earns bonuses every year even when you  claim
  • Builds a health reserve that helps customers be  ready  for future health expenses
  • Dual coverage of Protectiv Healing and ProActiv Living


Mumbai, April 13, 2016: Cigna TTK Health Insurance a joint venture between U.S. based global health service leader, Cigna Corporation (NYSE:CI), and Indian conglomerate TTK Group, today announced the launch of  its pioneering health savings type of a product - ProHealth Accumulate that creates a Health Reserve for future health needs

ProHealth Accumulate is a first of its kind health plan designed for the Indian market to provide a 360 degree health solution. The product offers customers the unique benefit of combining health protection, wellness and health reserve. Thus addressing the barriers of Indian consumers who perceive health insurance plans either to be an ‘annual waste of money’ or believe that insurance claims are for hospitalization expenses only.

The plan provides the distinctive feature of creating a Reserve that works as your Personal Health Wallet. It comes with the added advantage of protection against rising health care costs with guaranteed cumulative bonus of 5% year on year. Customers can choose from Rs. 5,000, Rs.10,000, Rs.15,000 or Rs.20,000 to cover out-patient expenses such as doctor’s consultation , pharmacy expenses, diagnostic tests, alternative forms of medicines (AYUSH) and more. Another unique advantage is that OPD will also cover dental treatment, cost of spectacles, lenses and hearing aids. 

The product offers much more, this amount can be utilized towards payment of any deductible/co-pay/non payable component of a claim wherever applicable including any cashless facility in case of a Hospitalization or Day Care Claim.

The best part is that, any unutilized HMB amount plus earned Cumulative Bonus gets carried forward to the next policy year with fresh HMB allocation. This helps create a health reserve over the period to meet your future health expenses. All this combined with a Tax Benefit under Section 80D will help you accumulate a tax free reserve.

Another stand out feature is Healthy Rewards where you earn 1 % reward points on premium paid and additional upto 9% can be accrued by opting for an array of online and offline CignaTTK Wellness initiatives. All accumulated points (1 point = Re.1) can be redeemed as renewal premium upto 10 % discount or claim as Health Maintenance Benefit within the policy year.

The plan provides end –to-end protection with in-hospital, day care, out- patient and even domiciliary cover. Also customers can avail second opinion help on critical illnesses, healthy rewards and a worldwide emergency cover. Even in multiple claims customers are protected with 100% additional sum insured under Smart Restoration. You also earn 5% no-claim bonus every year on the policy sum insured, maximum accumulation up to 100%.

Under ProHealth Accumulate, the sum assured ranges from Rs 5.5 Lacs to Rs 25 Lacs , with a choice of Individual and Family Floater cover.  Enrolment starts from 91 days for children and 18 years for adults.

Announcing the launch, Mr. Sandeep Patel, CEO and Managing Director, Cigna TTK Health Insurance Company Limited said, “With ProHealth Accumulate we have achieved yet another pioneering milestone by offering Indian consumers a truly innovative holistic health savings product solution. Insights into Indian consumer’s mindset revealed that health insurance is sometimes perceived as a waste of money especially in a no claim year. Also, consumers were looking at their health insurance to cover them holistically, including non-hospitalization expenses. We have designed ProHealth Accumulate to not only provide comprehensive hospitalization coverage but also help our customers save for medical expenses and provide non-hospitalization coverage for regular medical needs”


About Cigna TTK Health Insurance Company Limited

Cigna TTK Health Insurance Company Limited is a joint venture between the U.S. based global health service leader, Cigna Corporation and Indian conglomerate TTK Group. Cigna Corporation (NYSE:CI) maintains sales capability in 31 countries and jurisdictions and has more than 80 million customer relationships throughout the world. TTK is widely recognized across India with a reputation built across eight decades for quality consumer products and services.

Cigna TTK is a stand-alone health insurance company having a pan India presence, headquartered in Mumbai. Cigna TTK offers differentiated health insurance solutions including health and wellness programs that support customers in making lifestyle changes and managing chronic medical conditions. To learn more, visit Media contacts

Anjali Talreja

Direct line –022-61703676

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Priya Jain

Direct line – 022-40661755

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ManipalCigna Leaders Outline Details of New Joint Venture to Sell Health Insurance Across India


ManipalCigna Leaders Outline Details of New Joint Venture to Sell Health Insurance Across India