Making a claim

What type of information will I need to provide when making an insurance claim?

The information you'll need to provide when making an insurance claim will vary depending on the type of claim you are making.

If you are claiming for Life or Accidental Death Insurance we'll need a death certificate. We'll also need proof of the life insured's age, the policy document and (depending on who owns the policy) probate or letters of administration.

If you are claiming for Funeral Insurance we'll need a death certificate. We'll also need the policy document, proof of any nominated beneficiary's identity and (depending on who owns the policy) a copy of the will.

For Trauma Insurance claims, we'll ask you and your doctor for details of your medical condition. Your doctor will need to provide us with copies of reports and test results confirming your medical condition.

For Income Protection claims we'll ask you and your doctor for details of your medical condition and ability to work. We'll also ask you for details of your job and income. You'll need to provide us with documents confirming your medical condition, employment and income.

Finally, if you are claiming for Identity Theft, we'll ask you to provide details of the Identity Theft. You'll need to provide us with documents confirming the legal costs to restore your credit file and evidence of any time you had to take off work to resolve the issues relating to the theft.

When we send you a claim form we'll make sure all the information you need to give to us is clearly listed. And as always, we're here to help so if you have any questions, just call us on 0800 244 623.

Efficiency

All Cigna insurance claim handlers are trained to deal with your claim professionally and effectively. We take responsibility for gathering the information we require from you in order to ensure your claim can be evaluated accurately and in a timely fashion.

Speed

We will pay all our claims according to the provision of the policy without unnecessary documentation or delay. Once you submit your insurance claim form, Cigna guarantees that we will assess your claim within five working days of receipt. At this point, we will let you know if we need any additional information. We will keep you updated as we process the claim.

Courtesy

Whether on the phone or in writing, all of our communication with you will be polite and respectful. We are here to help and to listen.

Fairness

We approach every single claim with an open-mind and treat all customers impartially. We will decline invalid claims promptly and respectfully and will resist invalid or fraudulent claims.