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What are client benefits?

Client benefits are available at no additional cost to the policy owner, life assured and dependent children, because we want to help you deal with a problem when it arises.

What benefits are available?

What’s covered

Wellness advice

  • Nutrition advice
  • Fitness advice
  • Medical referral is required

Mental health counselling

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)


Assistance for addiction
  • 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
  • Linked to a life event or events
  • Will be at Cigna’s discretion and may require evidence to substantiate claim
What is the benefit?
  • Cigna will contribute up to $300 for a pre-approved appointment to a maximum of $1000 across all policies per policy year, per life event or multiple life events. The maximum benefit is $1000 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 $1000 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.
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.
  • Cigna may require you to provide evidence of a life event upon request.
  • 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.
Policy criteria
  • 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 do I use the service?
Health or service provider criteria
  • The provider must be a registered practitioner, approved by Cigna and based in New Zealand.
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.
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 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.
Right to change
  • Cigna reserves the right to change, remove or add benefits without notice.
  • All benefit claims are confidential.
  • Cigna complies with the Privacy Act 1993. Please see our privacy policy at
  • 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.

Client benefit form

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