Bill Relief Insurance

Why choose Cigna Bill Relief

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Cover designed for you

  • If you’re off work due to illness or redundancy you could receive up to your chosen cover amount. This will be made in 3 payments
  • Bill Relief also provides a one off payment for immediate help if you’re unable to work due to an injury, regardless of any payments you receive from ACC
  • Choose from 3 different cover amounts - $5,000, $10,000 or $15,000

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  • Simple and easy to apply. No complicated forms or health questions to answer
  • Fixed premiums that won’t increase with age
  • Your cover is over and above any payments you receive from ACC

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Fast payouts on claims

  • If you're unable to work for 15 days and we've assessed and approved your claim, you’ll start receiving payments
  • We’ll also refund your premiums while you're on claim
  • You can claim up to 3 times for each benefit type, provided you return to work for 6 months in between. That's 3 times for illness, 3 times for injury and 3 times for redundancy (your premiums don’t change based on how many times you claim)

What you need to know

If you’re unable to work due to illness, injury or redundancy - you can have peace of mind knowing you’ll have help paying the bills and covering the essentials. Cigna Bill Relief Insurance is an easy, simple and affordable insurance policy that gives you certainty about what cover you can get, and when.


  • Available to NZ residents aged 18-55 who have been working for 25 hours or more per week for the last 6 months.
  • Covers illness, injury and redundancy
  • Choose your cover amount up to $15,000
  • Bill Relief Insurance covers you until the policy anniversary after your 65th birthday.

Need to know

  • Pre-existing conditions are not covered for the first 2 years of the policy.
  • Cover for injuries starts straight away and cover for illness and redundancy starts once you’ve had the policy for 3 months, as long as they’re not pre-existing conditions
  • There are other important exclusions and conditions that apply to Bill Relief so we recommend you read the full policy wording for all terms and conditions.

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 450,000 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..

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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