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What are client benefits?

These are additional benefits outside of your normal insurance cover at no extra charge to you. You can apply for them for yourself, or your life assured and dependent children.


They include help for a variety of situations, such as

  • Fitness or nutrition advice
    From a specific nutritional or fitness advice from a registered practitioner.

  • Addiction services
    from gambling to alcohol and smoking

  • Counselling services
    for situations linked to a life event

  • General advice
    whether you need financial, legal or career advice

What’s available?

You can apply to receive specific nutritional or fitness advice from a registered practitioner.

You’ll need to supply a medical referral from a doctor for this benefit.

Counselling services including but not limited to:

  • Anxiety

  • Depression

  • Anger management

  • Grief counselling

  • Diagnosis of a serious illness or injury

  • Stress

  • Eating disorders

  • Sexual harassment

  • Assault

  • Domestic violence

  • Post accident (e.g. motor vehicle/motorbike)

  • Parents with children who have special needs

  • Children with special needs (e.g. ADHD, Autism, Cerebral Palsy)

You can get assistance for addiction to any of the following:

  • Drug

  • Gambling

  • Alcohol

  • Smoking

General assistance

  • Legal advice - limited to a lawyer preparing or updating a will

  • Career counselling

  • Financial advice - limited to budgeting advice and small business financial advice e.g. writing a business plan

  • Employment related - limited to CV, career advice and interview preparation

You can apply to receive specific nutritional or fitness advice from a registered practitioner.

You’ll need to supply a medical referral from a doctor for this benefit.

Counselling services including but not limited to:

  • Anxiety

  • Depression

  • Anger management

  • Grief counselling

  • Diagnosis of a serious illness or injury

  • Stress

  • Eating disorders

  • Sexual harassment

  • Assault

  • Domestic violence

  • Post accident (e.g. motor vehicle/motorbike)

  • Parents with children who have special needs

  • Children with special needs (e.g. ADHD, Autism, Cerebral Palsy)

You can get assistance for addiction to any of the following:

  • Drug

  • Gambling

  • Alcohol

  • Smoking

General assistance

  • Legal advice - limited to a lawyer preparing or updating a will

  • Career counselling

  • Financial advice - limited to budgeting advice and small business financial advice e.g. writing a business plan

  • Employment related - limited to CV, career advice and interview preparation

What else do I need to know?

Am I eligible for client benefits?

Eligible policies for client benefits are: Assurance Extra, Business Assurance, Business Extra, Agribusiness Extra, Life Cover Plus, Mortgage Extra, Rural Extra, Children’s Extra and Grandchildren’s Extra.

The benefits are only available to the policy owner, life assured and dependent children. A dependent child is aged 16 and under (or up to 21 years old if in full time education and financially dependent on the policy owner or life assured).

The benefit must be received and claimed within 13 months of the life event occurring.

A referral from a medical practitioner is required to be eligible for the fitness and nutrition benefits.

Can I use my own practitioner?

Yes, but the provider must be a registered practitioner, approved by Cigna and based in New Zealand.

Is there any policy criteria for client benefits?

You must have an in-force Cigna insurance policy to receive a client benefit. Your Cigna policy must have been in force for a minimum of 90 days and your policy must not be in arrears.

When do you pay the invoice?

The service must be approved by Cigna before the benefit is carried out to/on the policy owner, life assured or dependent child. Once pre-approval is provided to the policy owner, life assured or dependent child, it is the responsibility of the policy owner or life assured to make an appointment and provide Cigna the invoice.

The policy owner and/or life assured must produce a GST receipt for the appointment in order for the claim to be paid by Cigna. Please ensure invoice is made out to Cigna Life Insurance NZ with a reference to the claimant’s name, policy number and condition.

Benefits are approved at Cigna’s discretion.

Cigna reserves the right to change, remove or add benefits without notice.

Cigna will not pay the invoice if the policy owner, life assured or dependent child missed an appointment or does not cancel within the provider’s required timeframe and is therefore charged a fee.

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.

Apply for a client benefit

To make the most of these great benefits, just fill in the form below and we’ll be in touch

Do you have a medical referral? (This is required if you are claiming for nutritional or fitness advice) *
Thank you for submitting your message, we will be in contact with you shortly.
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