Frequently Asked Questions
How much income protection cover do I need?
The level of income protection cover you choose will depend on
your needs. Things you'll need to consider:
- Do you have mortgage payments to cover?
- How about credit card bills or hire purchases?
- Is your income covering all your regular spending such as
groceries, electricity bill etc or does your spouse or partner work
and contribute too?
What is a wait period?
Your wait period is the amount of time you'll need to cover your
usual expenses before you'll start receiving your benefit
You may want to take into account how much sick leave you have.
And what savings you can draw on.
You can choose your wait period from 30 or 90 days. Remember,
your benefit amount is paid in arrears so you'll need to add
another 30 days to your wait period before you receive your first
What is a benefit period?
This is how long you want to receive your income cover for. You
can choose your benefit period based on how much you can afford to
pay. A longer benefit period will be more expensive. We offer a
range of benefit periods from 6 months to 2 years.
What's my benefit amount?
Your benefit amount will be up to 75% of your average monthly
pre claim earnings. This can be up to $10,000 a month or up to
$3,000 a month for special risk occupations (these are listed
How do I calculate my annual income?
This will depend on your situation. If you are an employee this
is your salary before tax. If you are self-employed or a paid
director your annual income is your income before tax (after
business or professional expenses), as declared to IRD. Please read
Policy Wording for specific details about how income will be
calculated if you need to make a claim.
Can I use my income benefit money on anything?
If your claim is accepted, it's up to you to decide how to use
the money. Maybe you'll need to cover bills - such as your
mortgage, day-to-day bills, or to ensure that your family's
lifestyle is less affected by your inability to work.
Can my spouse / partner be covered too?
We don't offer joint income protection cover but your
spouse/partner can apply for Income Protection from Cigna
Can I nominate a beneficiary to receive my benefits?
No, you cannot nominate any beneficiaries. You are the only
person who is entitled to receive any benefits under this policy in
the event that you are unable to work due to illness or injury
covered by Income Protection from Cigna.
How much does Cigna Income Protection cost?
Premiums can be from $7 per week depending on your age,
occupation, income and smoking status. Use our easy quick quote tool
to find out how much you would pay.
Can I be covered if I smoke?
When will my policy end?
You are covered until the policy anniversary date after you turn
How long am I covered for if I get sick or injured?
If you get ill or have an accident we'll cover you for the
benefit period you've chosen.
How does the Income Benefit work when you claim more than
You can claim more than once for unrelated Illnesses and
You can also claim for a recurring or related illness or injury.
The difference is, any more claims for a recurring illness or
injury will be considered a continuation of the original claim.
For example: If you have an injury to your knee and claim for 6
months, if your chosen benefit period is 1 year and if you claim
for your knee injury again, your benefit period for the second
claim will only be 6 months. If the recurrence happens within 6
months of the original claim ending you won't have to wait to get
your income benefit. Once you've had a total claim time for the
knee injury of 1 year (the chosen benefit period in this example)
you won't be able to claim for that condition again.
Are income protection premiums tax deductible?
The premiums you pay for Cigna Income Protection may be tax
deductible. You'll need to check with the IRD or your
Can I cancel my policy?
You can cancel your policy at any time by contacting us on 0800
900 047. We have a 30 day free look period so if you decide within
30 days it's not for you we'll refund your premiums no questions
asked. If it's after the 30 day free look period, we won't refund
any premiums paid.
Am I covered if I get sick or injured overseas?
You're covered for any Illness or Injury that happens almost
anywhere in the world but you have to be living and working in New
Zealand to buy this cover. Please see the exclusions in the
Policy Wording for countries that are not covered.
What is the Healthy Living Bonus?
If you haven't made a claim in the first year and all your
premiums have been paid, we'll give you $100 cash back.
What happens if my occupation is classed as special risk?
You can still be covered, with a maximum monthly Income Benefit
Are there any exclusions?
Yes, we will not pay a claim arising directly or indirectly
- a Pre-existing Medical Condition
- a Mental Illness
- any intentional self-inflicted injury, whether sane or
- pregnancy, giving birth, miscarrying or having a pregnancy
terminated, unless you are Unable to Work for more than 3 months
after the pregnancy ends, in which case benefits will be paid from
this point on
- participation in, or training for, speed contests or any
- engaging in, preparing for or travelling to and from the site
where the activity is to take place for any of the following
activities: Aerial activities other than as a fare paying passenger
in an aircraft licensed to carry passengers on a recognised and
regular airline, base jumping, black water rafting, boxing, bungy
jumping, canyoning, caving or pot holing, diving, mountaineering,
outdoor climbing, hunting, motor sports (types on land or water) or
trans ocean racing.
- War or any act of War, invasion, Terrorism or any act of
Terrorism, act of foreign enemy, hostilities, strike, riot and/or
civil commotion, civil war, rebellion, revolution, insurrection,
military or usurped power
- drug use (unless the drugs were prescribed and taken as
prescribed by a Registered Doctor)
- your participation in a criminal act (which includes driving
with excess blood alcohol levels)
- your travel to a country which is classed as extreme risk
(meaning it is classified as a 'Do Not Travel' country) by the New
Zealand Ministry of Foreign Affairs and Trade (MFAT) or its
successor, during the time you are in that country (A full
explanation of these classifications and a list of countries can be
found at www.safetravel.co.nz)
- any condition which is, or results from, or is a complication
of, infection with Human Immunodeficiency Virus (HIV), or any
variance including Acquired Immune Deficiency Syndrome (AIDS) and
AIDS Related Complex (ARC); unless it results from Medically
Acquired or Occupationally Acquired HIV
Please read the
Policy Wording for full terms, conditions and exclusions.
If you are made Redundant we'll waive your premiums, while you
are off work, for up to 6 months.
Can I change my policy?
It's important to review your insurance regularly to make sure
you have the right amount of cover you need. If your income
changes, you may want to change your Benefit Amount to match 75% of
your new income. You can apply to change your Benefit Amount,
Benefit Term, Wait Period and how you pay your premiums at any
time, simply contact us to discuss your options. Any health,
occupational or financial changes that occur after your policy
starts may affect the terms of your cover if you change it - we'll
make sure you know about any changes.
How do I make a claim?
If you need to make a claim, contact us as soon as possible and
we'll guide you through the process. You'll need to complete a
claim form and return it to us together with any information we ask
for so we can consider your claim.
What are Pre-existing Medical Conditions?
These are any illnesses, injuries or medical conditions that you
were aware you had, had signs or symptoms of, or are being treated
for when your policy starts or that you had in the two years before
your policy started.
What are special risk occupations?
Most occupations that are classified as special risk are
considered dangerous, or find it difficult to return to work after
injury or illness. Here is our current list of special risk
occupations as at 8th June 2012:
- Abattoir Worker
- Aerial Erector
- Aerial Maintenance
- Aerial Repairer
- Aerobics Instructor
- Aeronautical Engineer - Flying
- Agricultural Contractor
- Aviation - Loader
- Cabin Crew
- Cameraperson - Overseas Travel
- Chemical Engineer - deals with hazardous materials
- Chimney Sweep
- Contract Driver - not motorcycle
- Dance Instructor
- Demolition Worker, No Use of Explosives
- Electrician - Non Domestic
- Electrician - Power Lines
- Erector - Steel
- Farm worker
- Fire Fighter
- Fish Gutter - Offshore
- Fishing Vessel Worker
- Fitness Instructor
- Flight Attendant
- Forest Ranger
- Forestry Technician
- Forestry Worker
- Freezing Worker
- Gym Instructor
- Inflight Services Director
- Labourer - construction
- Labourer - farming
- Logging Contractor
- Logging Mill Proprietor
- Logging Mill Worker
- Logging Worker
- Meat Industry worker
- Meat Worker
- Merchant Marine Worker
- Merchant Seaman
- Mill Worker
- Personal Trainer
- Pipeline worker - Oil and Gas
- Police - Detective (not involved in undercover work/drug squad
or armed offenders squad)
- Police - Inspector (not involved in undercover work/drug squad
or armed offenders squad)
- Police - Superintendent (not involved in undercover work/drug
squad or armed offenders squad)
- Police Officer - 100% Office based
- Private Investigator - Corporate work only
- Radio/TV Announcer
- Reporter - Foreign Assignments
- Reporter - Freelance
- Sawmill Foreman
- Sawmill Hand
- Scaffolder - Heights over 15 Metres
- Steel Erector - Below 15 Metres
- Steel worker
- Steward/stewardess - Airline
- Swimming Instructor
- Timber Worker
- Tree Feller
- Tree Surgeon
- Wharf Supervisor
- Window Cleaner