Accidental Death Insurance

Why choose Cigna Accidental Death Insurance

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Guaranteed acceptance

  • Guaranteed acceptance of your application - no medical questions to answer.
  • Cover while you are travelling overseas, anywhere in the world.
  • Call 0800 244 008 and get covered now.

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Simple, affordable policies

  • Premiums for as little as $12 per month for $75,000 of cover - that's under 40 cents a day!

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Quality service from our New Zealand team

  • Claims can be made immediately once cover is approved, there is no stand-down period.
  • We know that claims time is emotional for our customers, and our team goes out of their way to make the claims process as simple and stress-free as possible.

What you need to know

A basic life insurance policy that pays out for death by accident only, with prices from as little as $9 a month. If Cigna LifeOne Insurance is not for you, we can offer Accidental Death Insurance instead. It offers your loved ones financial support in the event you suffer a fatal accident. You pay lower premiums and acceptance is guaranteed.


  • The tax-free money from the payout can be used for anything.
  • Cover is fixed for life, or until you cancel it, die or turn 71.
  • A cash payment is usually made into the bank account within 48 hours following all required documentation being received and assessed.
  • Your cover level and premium is adjusted, taking into account inflation each year - you decide if you need the extra cover.

Need to know

  • Death by suicide or intentional self-injury is not covered with Accidental Death Insurance.
  • You’ll have 30 days to review your policy. If it doesn’t meet your needs you can return it for a full refund of any premiums paid.
  • For a full list of exclusions, refer to section 5 of the policy wording

Full policy

We're upfront about conditions and exclusions. See the full details below:

We aim to pay claims as quickly as possible


Making a claim is simple.

We'll assist you with the paperwork if you need help.


We'll have a look at your claim form.

We'll get back to you if anything else is needed.


Receive payment in your bank account.

If your claim is covered by your policy, we'll pay you. No loopholes.

Why Cigna?

We’ve had Kiwis’ backs for close to a century, and protect more than 350,000 customers with simple, affordable insurance products and services.

claims process and fast payouts
for healthy living, and flexible policies that suit your life.


Rating Star

Cigna Life Insurance NZ Limited ("Cigna") has an A (Excellent) financial strength rating which was given by A.M Best Company Inc..

Find out more

Rating Scale

Secure Vulnerable
A++ A+ Superior B B- Fair
A A- Excellent C++ C+ Marginal
B++ B+ Good C C- Weak
    D Poor
    E Under regulatory Supervision
    F In Liquidation
    S Suspended