We've compiled a list of answers to frequently
asked questions based on feedback from our valued customers. These
include information about making a claim on your Cigna Insurance
Policy, applying for a new policy or finding out more about our
insurance products. Please do not hesitate to contact Cigna on 0800
900 047, or email us at email@example.com if
you have another question.
Cigna Insurance Claims
How do I make a claim - what's the first step?
The first step in making an insurance claim is to contact Cigna
directly. Our team will guide you through the claims process,
beginning with giving you clear information on your policy and
sending out any required forms for your claim. Call us free on 0800
900 047, or email us at firstname.lastname@example.org.
What type of information will I need to provide when making an
The information you need to provide when making an insurance
claim will vary depending on the type of claim you are making. We
will send you a claim form when you contact us that describes in
detail the information you need to provide us to assess your
What happens once I have returned the claim form?
Once you submit your insurance claim form, Cigna guarantees to
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, but if you have
any questions give us a call on 0800 900 047.
How do I know if I have a valid claim? What if I'm not
Our claims team are here to help. Call us on 0800 900 047 or
and we will look into your policy details and help you decide if
your specific circumstances may be covered.
Need help with a claim or have a question not answered
Call us free on 0800 900 047, or email email@example.com.
What is involved in obtaining a Cigna Insurance Policy?
We make every effort to make an assessment on your insurance
policy application based on the information provided on a
straightforward application form and will only request more
information if absolutely necessary. To make the process even
easier, Cigna has developed a telephone-based underwriting service,
eliminating the need for cumbersome paperwork. In many instances
after completing a telephone conversation, we are able to issue you
Will I need to have a medical examination?
You will not necessarily require a medical examination in order
to obtain a Cigna Insurance Policy. Medical examinations are only
required for two reasons. First, if you have requested a large
amount of cover. Second, if you have a medical condition that
requires a doctor's input to make a fair assessment. In some cases
where you report a medical condition, we may send a form to your
doctor to complete, rather than require you to visit your doctor
for an examination.
Who will pay for my medical costs?
Cigna will meet the medical costs involved if we have requested
medical information from your doctor, or if we have asked for a
blood test or specific examination. If, however, you are already
scheduled to have a specific test, or are due for a review of a
medical condition which would ordinarily occur with your doctor,
the cost will be your responsibility to meet.
How long will the underwriting process take?
The processing time for your application will depend largely on
the information that you provide. If the information is complete
and there are no medical issues to consider, we may issue cover
within 48 hours of receipt of your application. For those
applications that require more detail for us to evaluate, such as
medical reports, it may take a few weeks. This may also depend upon
how quickly you or your doctor are able to respond to our
Can I reduce or increase the cover after my application has
Yes. You can reduce or increase your requested insurance cover
at any time during the assessment process. If you wish to increase
cover, be aware that the process could take longer as additional
information may be required.
What if I change my mind after the cover has been issued?
With most insurance policies* Cigna issues, you have 30 days to
consider the policy. If you decide within 30 days to cancel the
policy, simply advise us in writing and we'll send you a full
refund of any premiums paid. You can of course cancel the policy at
any point after the first 30 days. If you do, any premiums paid to
Cigna will not be refundable. This is because Cigna will have been
covering the risk of anything happening to you under the terms and
conditions of your policy.
* the exception to this being Identity Theft Insurance - If you
are not completely satisfied, you can, within 30 days of receipt of
the Policy Wording, cancel the policy by advising Cigna in writing
or by telephone and receive a full refund of any premiums paid. If
you complete and send Your Personal Credit File and Credit Alert
form you understand that your free look period ends.