CignaTTK Health Insurance Vs HDFC ERGO

CignaTTK Health Insurance Vs HDFC ERGO: Which is Best in 2024?

CignaTTK Health Insurance Vs HDFC ERGO: Both are international insurance companies. They provide various plans for their clients. Today we will inform you compareable differencs in details. Lets check…

CignaTTK Health Insurance Company is a joint endeavor of the US-based Cigna Corporation and Indian company TTK Group. CignaTTK is India’s only health insurance company that runs its services across the nation. Founded on November 21, 2011, the company’s headquarter is located in Mumbai, India. CignaTTK offers a variety of health and wellness programs that bring changes in lifestyle and manage prolonged medical conditions.

HDFC ERGO is another joint venture company between the Indian financial services provider HDFC and ERGO International AG, an insurance entity of the Munich Re Group in Germany. The company offers a wide range of products in the retail, corporate, and rural sectors. Health insurance is a product for the corporate sector. HDFC ERGO was established in 2002 and is headquartered in Mumbai, India.

CignaTTK Health Insurance Vs. HDFC ERGO:

Now let’s see what CignaTTK Health Insurance and HDFC ERGO has to offer to their members:

Key Features

Here are some of the important features of CignTTK and HDFC ERGO that will give you an idea about their insurance policies:

CignaTTK Health Insurance

  • User-friendly website to buy hassle-free insurance online
  • Free quotes for health insurance and their renewal
  • More than 4000 network hospitals that provide cashless treatments
  • Option for lifetime renewal
  • Four years waiting period for pre-existing diseases


  • Over 6000 cashless network hospitalization
  • Superior “No Claim Bonus” discount and flexible payment options
  • Help you to save taxes under section 80D of the Income Tax Act
  • Buy health insurance online through the company’s website
  • Get free quotes for health insurance
  • Instant online renewal option available

Types of Plans Offered

Both CCTK Health Insurance and HDFC ERGO offer their members a wide range of health insurance plans. These plans cover the health care expenses of both individual and their family members. Other plans include benefits specifically for women and senior citizens. Let’s take a look at their plans:

Individual and Family Plans

Here are some of the health insurance plans for both individual and family members offered by CignTTK and HDFC ERGO:

CignaTTK ProHealth Protect Plan

  • Minimum entry age – 91 days
  • Offers sum insured of Rs.2.5 lakhs, or Rs.3.5 lakhs, or Rs.4.5 lakhs
  • Plan available for individual or family floater basis
  • Coverage for pre and post-hospitalization expenses
  • Maternity and newborn expenses are also covered

CignaTTK ProHealth Plus Plan

  • Plan available for individual or family floater basis
  • Sum insured of Rs.4.5 lakhs or Rs.5.5 lakhs or Rs.7.5 lakhs or Rs.10 lakhs
  • Coverage for pre and post-hospitalization expenses
  • Coverage for domiciliary treatment
  • Organ donor costs and family premium discount

CignaTTK Lifestyle Protection Clinical Care Insurance

  • Available for individual and family floater basis
  • Customized plan for financial assistance in a medical emergency
  • 10% additional premium discount when enrolled two family members
  • Available for 18-65 years old
  • Annual premium installment for 2 and 3 years policy
  • Coverage for cancer, heart attack, coma, etc.

HDFC ERGO Individual Health Insurance

The individual health insurance plan of HDFC ERGO is divided into three plans –

Silver Smart Plan
  • Sum insured of Rs.3 lakhs to Rs.5 lakhs
  • No caps on room rent
  • Free annual health check-up
Gold Smart Plan
  • No room rent capping
  • Free health check-up every year
  • Sum insured of Rs.7.5 lakhs to Rs.15 lakhs
Medisure Super Top-up
  • Binds the family in one secure bond
  • Constant premiums from age 61
  • Opt for a two years policy and get a 5% discount and 10% when two or more members of the family are enrolled

 HDFC ERGO Family Health Insurance

The family health insurance is divided into four plans –

Silver Smart Plan
  • No caps on hospital room rent
  • Get additional sum insured with sum insured rebound
  • Free annual health check-up
  • Cashless home healthcare
Gold Smart Plan
  • No room rent capping
  • Get additional sum insured with sum insured rebound
 Platinum Smart Plan
  • Sum assured of up to 75 lakhs
  • Offers mental health care coverage
  • Free health check-ups annually
Medisure Super Top-up
  • No medical check-up required till 55 years of age
  • Avail, 10% discount, covering two or more members of the family

hdfc ergo health card details

HDFC ERGO Parents Health Insurance is again divided into three plans –

Silver Smart Plan
  • Health insurance coverage ranging from Rs.3 lakhs to Rs.5 lakhs
  • Pays Rs.5000 as a recovery benefit when hospitalization exceeds ten days
Gold Smart Plan
  • Option for a higher sum insured
  • The benefit of Rs.15000 if hospitalization exceeds ten days
  • Offers rebound benefits
Medisure Super Top-up
  • Affordable top-up plan
  • Lifelong renewability
  • No increment of the premium amount after 61 years

Besides these plans, CignaTTK offers International Health Insurance Plan for Indian locals and emigrants who stay abroad for employment purposes. It provides coverage with a sum insured from Rs.50 lakhs up to Rs.12 crores. CignaTTK also offers the Lifestyle Protection-Accident Care Plan, covering accidental death and disablement.

On the other hand, HDFC ERGO offers Senior Citizens Health Insurance for people above 60 years. It provides a sum insured from Rs.3 lakhs to Rs.15 lakhs. HDFC ERGO also offers Women Suraksha Plan and Critical Illness Insurance Plan. The first plan is designed specifically for women who want to secure their future, while the latter provides coverage for critical health conditions.

Frequently Asked Questions

  • How can I check the policy status of HDFC ERGO health insurance plans?

Visit the official website of HDFC ERGO and log in using your registered user ID and password. After successfully logging in, you will be able to check all the details about your policy status.

  • Is CignTTK health insurance good?

CignaTTK provides coverage for pre-existing diseases; however, they do not offer “No Claim Bonus” features. They have an excellent 24/7 customer care service; their insurance plans are also cheaper to some extent with great benefits. You should check out the plans and decide which ones best fit your medical needs.

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