Unsupported Browser

Your web browser appears to be outdated. Our website may not look quite right in it.

Please consider updating your browser to enjoy an optimal experience.

Skip to main content

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
    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

The information provided is only a summary of the product features and terms of cover. Please refer to the policy wordings for our full requirements and eligibility criteria. The content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a financial advice service. It is recommended you seek financial advice which takes into account your individual circumstances before you acquire a financial product. The information is current as at October 2021 and is subject to change.

What’s available?

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

Eligibility requirements:

  • Medical referral is required*

*Information provided in the referral should relate only to the condition of referral.  No other condition/s should be included.

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)

Eligibility requirements:

  • Linked to a life event or life events

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

  • Drugs

  • Gambling

  • Alcohol

  • Smoking

Eligibility requirements:

  • Linked to a life event or events

  • Will be at Cigna’s discretion and may require evidence to substantiate claim

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

Eligibility requirements:

  • Linked to a life event or events

  • Will be at Cigna’s discretion and may require evidence to substantiate claim

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

Eligibility requirements:

  • Medical referral is required*

*Information provided in the referral should relate only to the condition of referral.  No other condition/s should be included.

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)

Eligibility requirements:

  • Linked to a life event or life events

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

  • Drugs

  • Gambling

  • Alcohol

  • Smoking

Eligibility requirements:

  • Linked to a life event or events

  • Will be at Cigna’s discretion and may require evidence to substantiate claim

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

Eligibility requirements:

  • Linked to a life event or events

  • Will be at Cigna’s discretion and may require evidence to substantiate claim

What else do I need to know?

What is the benefit?

We'll contribute up to $300 for a pre-approved appointment to a maximum of $1,000 (incl. GST) across all policies per policy year, per life event or multiple life events. The maximum benefit is $1,000 (incl. GST) in total for all eligible people per policy year.

If you have already received payment under the Financial and Legal Advice Benefit or Grief Counselling Benefit as part of an eligible Assurance Extra policy benefit you will not be eligible to receive a further payment for financial or legal advice; or grief counselling under Client Benefits for your 12 month Client Benefit period.

The yearly $1,000 client benefit allocation will begin each year on your policy anniversary date. If you have multiple policies, it will begin from the anniversary date of your first Cigna policy.

Any unused yearly benefit does not carry over to following years.

Further benefit details

The employment related advice benefit covers the life event of changing or losing a job. This benefit covers CV and interview preparation and career advice.

The financial assistance benefit covers budgeting advice and small business financial advice e.g. writing a business plan.

The legal advice benefit is limited to a lawyer preparing or updating a will as a result of a covered life event.

What is a life event?

Life event is defined as an experience that disrupts an individual’s usual activities causing a substantial change and adjustment. This includes but is not limited to: marriage, divorce, serious illness or injury, changing or losing a job, birth, being a victim of a criminal act, and natural disasters.

We may require you to provide evidence of a life event upon request.

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.

How it works:

Approval and invoicing

  • 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 invoices are 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.

Right to change

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

Privacy

  • All benefit claims are confidential.

  • Cigna complies with the Privacy Act 1993. Please see our privacy policy at www.cigna.co.nz/privacy.

  • Cigna Life Insurance NZ will not be liable for any loss (including, without limitation, indirect, special or consequential loss or loss of profits), expense, damage, personal injury or death which is suffered or sustained (whether or not arising from any person’s negligence) in connection with the services offered by the providers of these benefits or accepting or using any advice or service by any recipient, except for any liability which cannot be excluded by law (in which case that liability is limited to the minimum allowable by law.

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, Information provided in the referral should relate only to the condition of referral. No other condition/s should be included.) *
Thank you for submitting your message, we will be in contact with you shortly.
Overlay