Bill Cover Insurance

Why choose Cigna Bill Cover

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Cover designed for you

  • Provides regular payments to help cover your bills while you’re unable to work due to illness, injury or redundancy
  • Choose your cover amount - up to $2,000 per month
  • If you're aged between 18-55, and working 25 hours or more a week, you're eligible with no health questions to answer

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  • Simple and easy to apply. No complicated forms
  • Payments will be made for up to 6 months
  • 10% discount on joint policies - phone 0800 996 036 to get a joint policy quote

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Fast payouts on claims

  • If you're unable to work, there's only 30 days to wait until you start receiving payments
  • Cigna will also refund your premiums while you are on claim
  • You can claim more than once for unrelated illnesses or injury

What you need to know

If you are unable to work due to illness, injury, redundancy or are declared bankrupt - you can have some peace of mind about how to pay the bills and cover the basics. Cigna Bill Cover Insurance is an easy, simple alternative to income protection insurance - and it gives you certainty about what cover you can get, and when. 


  • Open to all NZ residents aged 18-55 working for 25 or more hours a week.
  • Bill Cover Insurance covers you until the policy anniversary after your 65th birthday.
  • Flexible options to suit your needs.

Need to know

  • Claims that arise from a pre-existing condition you had before your Bill Cover policy start date are excluded.
  • The benefit you receive each month will be reduced by any ACC entitlements
  • We recommend you read the policy wording for full product information.

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